Car Loan?
- Thread starter Vanessa Valentine
- Start date
Miss V
Join the APA cost is $70.00.
They offer a buying service for both new and used cars and they arrange low cost financing through major banks.
Their buying service offers you a pre-negotiated price so there are no hassles of playing games with the salesman/dealership over the price.
Even if you don’t end up buying through them; your membership gets you 3 or 4 quotes on the dealers cost for cars you are interested in.
Also don’t dismiss the possibility of dealer financing, as many car companies are offering very low interest rates. Because you may have trouble proving your income you may have trouble with some dealerships or banks, but just keep looking around, with 40% down you are sure to find someone willing to deal with you.
Join the APA cost is $70.00.
They offer a buying service for both new and used cars and they arrange low cost financing through major banks.
Their buying service offers you a pre-negotiated price so there are no hassles of playing games with the salesman/dealership over the price.
Even if you don’t end up buying through them; your membership gets you 3 or 4 quotes on the dealers cost for cars you are interested in.
Also don’t dismiss the possibility of dealer financing, as many car companies are offering very low interest rates. Because you may have trouble proving your income you may have trouble with some dealerships or banks, but just keep looking around, with 40% down you are sure to find someone willing to deal with you.
Miss Valentine said:
I repeat. Stay away from Cherokees. Do some research in Lemonade etc. They have serious problems both engine and drive systems. I spend much time in the automotive field. Also stay away from the German SUV (especially the earlier Mercedes M series. The later years are not as bad, but they are still very very expensive to maintain. Check out this website about mercedes and you will be suprised www.lemonmb.com . I can't say the same about BMW. Oh yes I own an E class M Benz 430 and can't wait to dump this car. Nothing but problems.
See the following review for Jeep Cherokees
http://www.reviewcentre.com/review13151.html
http://www.lemonaidcars.com/truck-van.htm
http://www.autosafety.org/autodefects/JEEP.htm
http://www.cs.cornell.edu/Info/People/kreitz/Jeep/productopia.html
http://www.ripoffreport.com/reports/ripoff72718.htm
Good luck.
http://www.reviewcentre.com/review13151.html
http://www.lemonaidcars.com/truck-van.htm
http://www.autosafety.org/autodefects/JEEP.htm
http://www.cs.cornell.edu/Info/People/kreitz/Jeep/productopia.html
http://www.ripoffreport.com/reports/ripoff72718.htm
Good luck.
Had a Grand Laredo and it was a love/hate relationship. It was an absolute charm for the first 100,000 KM. Thereafter, nothing but trouble. All probs related to drive train.
If you're heart's set on a Jeep, go for a new one and dump it before the warranty is up. Probably why you see so many 1 to 2 yr old Cherokees on the market. Others have caught on to this fact!
As for car loans/leases, just went through the Tango myself as my vehicle refused to move one day... so I shot her. Took a week to decide what to do...
Decided to go 'new' this time. Oy vey! Talk about a stressful week. After deciding on the car I wanted, I Had to go back to the dealership twice thereafter to put more money down as I got turned down each time. After finally putting down approx. 22% of the purchase price, I finally got the go-ahead.
Next day, I got on the phone with my insurance co. to give 'em the new VIN. That's when I'm told that, since the new car is registered under both myself and my S/O, she will have to be put on the policy as a co-driver.
Say what? I respond. I tell them that she isn't going to be driving the car at ALL. Falls on deaf ears. Adding insult to injury, I'm informed that my 7 star driving record will now be encumbered by the fact that my S/O only has a G1 and is in her early 20's. Not good, they say.
Bottom line, they tell me that I've got to cancel the old policy and register a new one. New price? Went from a previous $1,000/yr to $4,500/yr. OUCH!!!!
So, back to the dealership I go. I tell them my predicament and that I may have to back out of the deal. They tell me that since I've been approved, there wasn't much they could do. That's when they decide to tell me that I'm gonna need new plates...
By this point, I'd been without a vehicle for almost two weeks and business was backing up on me as a result.
Back home I go. I argue with the insurance co. for another two hours and finally, I get a sliver of hope. The underwriters had approved me at a much lesser rate of $2,400/yr. I jumped at it, praying to God for the first time in my life that it wasn't a clerical oversight.
I call the dealership to inform them of my new policy number. they tell me my plates were on the way. So back I go.
Upon my arrival, I am told there was a bit of a hold up and it would be another hour or so. Excited that I was about to be mobile again, I wave it off, telling them I wouldn't mind waiting.
One hour turned into three. That's when I'm told that someone screwed up. No plates, no car. But they were gracious enough to give me the bloody keys. So back home I go, the proud owner of a set of keys to a brand new car that I don't have... yet.
At least this time I didn't have to cab it. I raised enough of a stink that they put me into a pretty cool rental car from Enterprise just to shut me up and get me the hell off of their showroom floor. Apparently I was scaring the customers.
Make a long story short, I finally got the damn thing the next day.
If you're heart's set on a Jeep, go for a new one and dump it before the warranty is up. Probably why you see so many 1 to 2 yr old Cherokees on the market. Others have caught on to this fact!
As for car loans/leases, just went through the Tango myself as my vehicle refused to move one day... so I shot her. Took a week to decide what to do...
Decided to go 'new' this time. Oy vey! Talk about a stressful week. After deciding on the car I wanted, I Had to go back to the dealership twice thereafter to put more money down as I got turned down each time. After finally putting down approx. 22% of the purchase price, I finally got the go-ahead.
Next day, I got on the phone with my insurance co. to give 'em the new VIN. That's when I'm told that, since the new car is registered under both myself and my S/O, she will have to be put on the policy as a co-driver.
Say what? I respond. I tell them that she isn't going to be driving the car at ALL. Falls on deaf ears. Adding insult to injury, I'm informed that my 7 star driving record will now be encumbered by the fact that my S/O only has a G1 and is in her early 20's. Not good, they say.
Bottom line, they tell me that I've got to cancel the old policy and register a new one. New price? Went from a previous $1,000/yr to $4,500/yr. OUCH!!!!
So, back to the dealership I go. I tell them my predicament and that I may have to back out of the deal. They tell me that since I've been approved, there wasn't much they could do. That's when they decide to tell me that I'm gonna need new plates...
By this point, I'd been without a vehicle for almost two weeks and business was backing up on me as a result.
Back home I go. I argue with the insurance co. for another two hours and finally, I get a sliver of hope. The underwriters had approved me at a much lesser rate of $2,400/yr. I jumped at it, praying to God for the first time in my life that it wasn't a clerical oversight.
I call the dealership to inform them of my new policy number. they tell me my plates were on the way. So back I go.
Upon my arrival, I am told there was a bit of a hold up and it would be another hour or so. Excited that I was about to be mobile again, I wave it off, telling them I wouldn't mind waiting.
One hour turned into three. That's when I'm told that someone screwed up. No plates, no car. But they were gracious enough to give me the bloody keys. So back home I go, the proud owner of a set of keys to a brand new car that I don't have... yet.
At least this time I didn't have to cab it. I raised enough of a stink that they put me into a pretty cool rental car from Enterprise just to shut me up and get me the hell off of their showroom floor. Apparently I was scaring the customers.
Make a long story short, I finally got the damn thing the next day.
what to do
As you can see just about every one has an opinion on which suv to buy. Being in fleet managment I have a few opinions myself but that's not how it works. Miss V is an intelligent person and she will only listen to the people she trusts. Rightly so, I would like to impart on you one piece of information that will prove more valuable than any of the other info out there.
Which ever suv you want to look at ... have it checked out by an unbiased party.
Suvs have a few more inherent problems than regular vehicles, and Chrysler has had their fair share on them, the differentials need more maintenance than most repair centers realize. A perfect example of this is the Honda Pilot/ Acura Mdx the original powertrain maintenance schedule has revised to increase the number of fluid changes and last I heard Honda is not warranteeing vehicles that are not following their maint schedules
anyway, ( fuck me why did I write all that stuff) long story longer... get the goddam thing checkd out before you buy a problem ! Pm me if you have any questions
As you can see just about every one has an opinion on which suv to buy. Being in fleet managment I have a few opinions myself but that's not how it works. Miss V is an intelligent person and she will only listen to the people she trusts. Rightly so, I would like to impart on you one piece of information that will prove more valuable than any of the other info out there.
Which ever suv you want to look at ... have it checked out by an unbiased party.
Suvs have a few more inherent problems than regular vehicles, and Chrysler has had their fair share on them, the differentials need more maintenance than most repair centers realize. A perfect example of this is the Honda Pilot/ Acura Mdx the original powertrain maintenance schedule has revised to increase the number of fluid changes and last I heard Honda is not warranteeing vehicles that are not following their maint schedules
anyway, ( fuck me why did I write all that stuff) long story longer... get the goddam thing checkd out before you buy a problem ! Pm me if you have any questions
Re: what to do
Cheers.
Skierman. You are wrong all over. Yes getting it inspected is wise. But a 1 hour or 2 hour inspection will reveal nothing in many cases. Do you have any idea how long it takes to do a proper compression test, drive train examination. And even after you do there could be things hidden that most basic inspections will not uncover. For example some vehicles perform poorly under certain conditions. ie. cold, cornering, hard braking, accelerating. Unless the genius mechanic puts the car through its paces they will never be uncovered. Just remember most 2 year old cars are for sale for a reason. Probably because their owners were sick and tired of blowing money on a new car that just exhausted its warranty.skiierman said:
Cheers.
Re: Re: what to do
I still think thats she should have whatever she buys checked out.
Actually I do know how long these thing take, and what to look for, but you are right, even a genius mechanic won't be able to tell everything. I disagree that most 2 year old cars are being sold for that reason, but I could be wrong. In my business we try hard to renew the fleet before the repair bills start to mount. If we do our jobs right and utilize the correct mixture of maintenace and replacement. then everything goes smoothly.brat_man_7 said:
I still think thats she should have whatever she buys checked out.
Re: Go Japanese
so, far suv wise I have had an exploder, a pathfinder and a suburban, and the pathfinder was a much better vehicle than the other two. I would like to check out the new X trail though, I recently went to a demo day and was impressed.gallee said:
