What kinda payment are yall paying?

[jcurtin06]

just wondering what kinda payments people are paying for there camry. partically the se model v6. my car a 09 camry se v6 andt he options i have are remote start, tinted windows, rear spoiler, and cargo package.

i did 60 months and knocked down the payment to 470 a month. They orginally wanted 600/month. i did put 2g's down plus they up'd my trade-in from 700 to 1250 over what i owed which was pretty generous b/c the car had some issues. got 5.9 interest as well.

just want to compare deals to make sure i got a decent deal on mine.

[bandit]

$586/month for 36 months @ 2.9% finance. Toyota wouldnt give me 24 months. Plus I had $400 college grad rebate. No trade-in and put down $10,500. i'll have car paid off by end of year.

[jcurtin06]

damn u were serious putting that much down.

what was the total sales price for ya.

mines was 31,200 i believe thats with ttl, interest, plus the trade-in and down payment

edit: actaully i did the math my self 32,xxx is what you got for urs with everything. nice

i did want the navi and should of got it, oh well.

[Zembonez]

Mine isn't a Camry but I only had one payment of 17,500.00 plus taxes on my 09 xB. Couldn't pass it up.

[bandit]

I got Nav, Leather seats, heated seats and mirror, sunroof, spoiler. I paid under $32,000 including taxes, title, fees, etc. Tax in NY (8.625%) killed me. They charged me for mats but threw in wheel locks and cargo net free.

I have excellent credit for a 27 yr old. No debt what so ever. So if I got the money, why not put more down? Less monthly payments even though its higher since I have to pay it off in 36 months. The more I put down, the better chance I have of getting lower %. Once my first monthly payment bill comes, I'll probably put $8,000-$10,000 towards the car.

I'm having aftermarket alarm/remote start put in and tints as well on saturday. Will cost me $650 or so for both and installation.

[BlackCamSe]

2500 down and 289 a month for 36 months 0%APR. ITs a lease BTW

[akira751]

Originally Posted by dcemureviews

I got Nav, Leather seats, heated seats and mirror, sunroof, spoiler. I paid under $32,000 including taxes, title, fees, etc. Tax in NY (8.625%) killed me. They charged me for mats but threw in wheel locks and cargo net free.

I have excellent credit for a 27 yr old. No debt what so ever. So if I got the money, why not put more down? Less monthly payments even though its higher since I have to pay it off in 36 months. The more I put down, the better chance I have of getting lower %. Once my first monthly payment bill comes, I'll probably put $8,000-$10,000 towards the car.

I'm having aftermarket alarm/remote start put in and tints as well on saturday. Will cost me $650 or so for both and installation.

27 yrs old and good credit.

[workerant]

Not sure mine was 26 or $28K... anyway. I'm sure I didn't want to pay anymore than that price so I paid in full. borrow some money here and there but no bank so no interest.

[bandit]

Originally Posted by akira751

27 yrs old and good credit.

Yep. Paid off my $60,000 St Johns University college loan in 1.5 years.

Originally Posted by TTM77

Not sure mine was 26 or $28K... anyway. I'm sure I didn't want to pay anymore than that price so I paid in full. borrow some money here and there but no bank so no interest.

I thought about paying my car off in cash in full. But by the time I got the money (just paid off college loan in February), it would be November/December. By that time, Gen 6.5 would come out soon and I didnt want dealers to have limited selections. Plus, I plan on buying a house in the next couple of years or so, so I need to build up my credit. So buying a car is second most looked at when it comes credit and loans.

[workerant]

Originally Posted by dcemureviews

Plus, I plan on buying a house in the next couple of years or so, so I need to build up my credit. So buying a car is second most looked at when it comes credit and loans.

That's like paying for those credit. Instead calling it paying for credits, it's called interest. I did build up my credit with my CC since I started college.

[njerald]

What's a car payment????

Oh right, what you pay before you drive it away.

[BlackCamSe]

Originally Posted by njerald

What's a car payment????

Oh right, what you pay before you drive it away.

yet another worthless post by njerald

[bandit]

Originally Posted by TTM77

That's like paying for those credit. Instead calling it paying for credits, it's called interest. I did build up my credit with my CC since I started college.

But those interest add up the longer it takes for you to pay off the car. You sign papers to pay $31,000 for you car. Add those interest up..you're paying more than what you originally paid for the car. Thats how I see it. Same with college tuition. Its suppose to be $30,000/year...add interest and however long it takes you to pay off the student loan, its more. Plus interest is high as hell. 7.75%-8%!!! I dont know how I'm going to put my kids through college when the time comes.

Paying for credit cards on time builds up credit but doesnt really show a big purchase. I've had credit cards when I started college and when I filled out Toyota's credit application, they denied me because of insufficient credit/experience or something like that (i left paper at home). But going to dealers, I got the 2.9%. No 24 months but 36 months.

Not once in my 9 years or so of having a CC that I had to pay interest or pay monthly just to pay off my card. Whether it be $300, $1000 or $3000, I paid it off all at once.

[jcurtin06]

toyota told me my credit score was 720 and im 21. so pretty damn good. i do have some credit cards though. mom's tv and wifey's wedding ring, oh and business credit card. real estate is full of fees lol.

yeah debt suks and i hate it. almost out though just got another 4000 left. 2000 being government crap from unemployement of me having to pay it back cus job desputed my unemployement and won. but should be knocking it down to 3k by the end of this month (aug).

[workerant]

I did buy a corolla for my wife and my credit was good enough than. Anyway, when I buy this Camry I think they approved my loan too but I just wanted to pay it off.