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Old 05-03-2014, 04:27 PM #1
yuik
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Subaru Discussion Thread v.27: NJ sucks ... So buy a Subaru

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Member vehicles:

2014:
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2013:
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2012:
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max's GDT - WRX Wagon
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2002:

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Some POS bugeye (RIP):
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other randomness:
lowbudgethero: gf drives a 2011 impreza
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OA paintball: A super gay Miata

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Old 05-03-2014, 05:09 PM #2
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"Originally posted by XSVterror16 V.4: Alright, let me break this down for you. Subaru is a company with stars and a blue background in it's symbol. The national color of Australia is blue and their nights have lots of stars in the sky. Subaru uses bockster motors from Porches. Subaru is Australian and uses Porche motors in their cars. Understand?"
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Old 05-03-2014, 05:30 PM #3
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Old 05-03-2014, 05:41 PM #4
yuik
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Can't wait to get new car just not sure what one will run the numbers tonight and yolo it . Thinking of doing the mustang now and then the sti in Seattle . Or maybe doing the evo X now and the mustang in Seattle
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Old 05-03-2014, 06:04 PM #5
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I hated rwd when I lived In the Seattle
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Old 05-03-2014, 06:39 PM #6
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Quote:
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I hated rwd when I lived In the Seattle

Why
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Old 05-03-2014, 06:42 PM #7
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Just for the fact when it snowed in Seattle no one could drive for ****
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Old 05-03-2014, 06:45 PM #8
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Officially declaring the next thread "Subaru Discussion Thread v.27: Don't ask us what car to buy" because we all just give reasons why we don't like everything you are interested in then substitute random old cars.
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"Originally posted by XSVterror16 V.4: Alright, let me break this down for you. Subaru is a company with stars and a blue background in it's symbol. The national color of Australia is blue and their nights have lots of stars in the sky. Subaru uses bockster motors from Porches. Subaru is Australian and uses Porche motors in their cars. Understand?"
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Old 05-03-2014, 09:31 PM #9
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Meh title.
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Old 05-04-2014, 11:58 AM #10
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Yuik: credit unions will have a lower interest rate if you have an account with them.

And the secret santa list is still up HAHAHAHAHA
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Old 05-04-2014, 02:02 PM #11
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Quote:
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Yuik: credit unions will have a lower interest rate if you have an account with them. And the secret santa list is still up HAHAHAHAHA
Thanks man

Do I make the deal on the car first or goto the credit union first ? I went to the credit union and the guy showed me his chart and said in looking at between 3.4-4.2 % which isn't bad .


So do I say to the credit union guy I want a loan up to say 30k , and bring him a bank check for 10k for the down payment . Then the credit union gives me a blank check for the dealer ?

Or do I need to know the exact price ?
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Old 05-04-2014, 02:11 PM #12
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Thanks man
Between my bank an an others the difference isn't much
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Old 05-04-2014, 02:22 PM #13
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Quote:
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Thanks man

Do I make the deal on the car first or goto the credit union first ? I went to the credit union and the guy showed me his chart and said in looking at between 3.4-4.2 % which isn't bad .


So do I say to the credit union guy I want a loan up to say 30k , and bring him a bank check for 10k for the down payment . Then the credit union gives me a blank check for the dealer ?

Or do I need to know the exact price ?
You need to know the ball park value of the car and what your down payment will be, they will give you quote. You go to the dealer sign papers ect. Find out what the dealer's financing is too though, sometimes they are better depending on the company they use. Sometimes you can negotiate based on those offers.
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Old 05-04-2014, 02:49 PM #14
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Ive never had good APR through a dealer but its good to have an informed decision.

Yuik: What you want to do is finance enough for the vehicle and tax/tags/title. To do this, you negotiate the price for the vehicle. I get an "out the door price" IE you are only going to pay 30K for EVERYTHING. then they try to feed you some bull**** blah blah blah.

DO NOT!!! DO NOT DO NOT DO NOT get your credit ran at 7 different places. Pick TWO MAX!!!! The credit union and the dealership.

Okay back to the first point. Once you decide on a price you will sign some agreement and have to leave a deposit on the vehicle. You can finance the loan to pay that income back and will pay it back through the loan. So lets say you have 1k to put down for a deposit. They keep the cash and you leave with the car.

What I had my bank do on two separate occasions is 1) they put a deposit of my total loan in my bank account. I then wrote a check to the private seller. 2) you can have a check made out for the exact amount to the person or to yourself. You cash the check and then pay the person in cash, check, etc.

To expound on that further. Lets say car costs 30k for everything. You finance 31K just for ****s and giggles. They deposit it into your account directly. You then go to the bank and withdraw the 29K (1k deposit to hold the car). You then can use the remaining finances for the vehicle (car wash, air fresheners, mods, etc) OR pay it back towards your principle on the loan.


There are many methods. I would choose the one where you have more wiggle room. For instance. You can budget a 30K dollar car. When you find the car for 30K take out the loan and all that ****... but then try to talk them down. if you pay 23K for the car you can put that 7K right back into the money owed.


... or give it to me so I can buy hookers and cocaine
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Old 05-04-2014, 02:57 PM #15
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Awesome answers guys thanks really appreciate it . Tupac never financed before normally just walks in with his 45 and cops whatever he feels like .
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Old 05-04-2014, 03:02 PM #16
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I dont ****ing get it... my roommate sleeps all ****ing night and he is a night worker.

This dude... he works 6:30pm-6:30am. He stays up till 10:30am(ish). Then he sleeps from 10:45 that morning till 6pm the following day!!!!! this ****er is UNREAL!

I dont go out on my day off so it really ****ing grinds my gears I can be loud and beat my dick violently when he is around. IRRITATING!

EDIT: Yuik... we know you're like 12 and incredibly white. Calm down.
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Old 05-04-2014, 03:11 PM #17
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Depending on who needs help I can help them with dealership related questions
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Old 05-04-2014, 05:35 PM #18
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Quote:
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Depending on who needs help I can help them with dealership related questions
So you guys make any money on people financing through the dealer ?

The guy at the evo dealer was like you may want them to call about the financing because they do one credit inquiry and send your info out to like 10 banks and you can see what rate is the best
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Old 05-04-2014, 05:45 PM #19
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I just got 1.24% through Digital Federal Credit Union on an auto loan for a used WRX for 21,500. Lowest rate I found out there.
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Old 05-04-2014, 06:55 PM #20
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So you guys make any money on people financing through the dealer ?

The guy at the evo dealer was like you may want them to call about the financing because they do one credit inquiry and send your info out to like 10 banks and you can see what rate is the best
Yes but it's not like it hurts you the bank just sells us the money cheaper so let's say bank of America was going to give you 2.9% they give it to us for 1.5% and we give you 2.9%
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Old 05-04-2014, 09:45 PM #21
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Dom is the guy to talk to about that stuff
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