09 g37 purchase advice

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Old Dec 17, 2008 | 01:30 PM
  #1  
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09 g37 purchase advice

ok heres what im getting...

2009 g37 journey
7at
athens blue
graphite interior
sports pkg
nav pkg
premium pkg
splash guards
spoiler
illuminated kickplates

so far this is what im looking at...

46,000 including ttl (500 over invoice)
5,000 down
7.95% apr
72 months
728/month including gap

its about 100/mth more than im paying now but the fact is im borrowing about 10,000 more than i was last time and rates are higher with the economy as is. im annoyed because it adds up to about 10,000 in interest charges but i can lower that by paying it off earlier.

so what do you guys think?
 
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Old Dec 17, 2008 | 01:49 PM
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Jeez, that's a huge monthly payment.
 
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Old Dec 17, 2008 | 01:51 PM
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dam! balling !!!!!!!!!!!!!!!!!!!!!!1
 
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Old Dec 17, 2008 | 02:00 PM
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Originally Posted by Gilley
Jeez, that's a huge monthly payment.
ya well id rather avoid putting down a lot of cash with the way things are. i can afford the monthly payment so i dont mind that. just trying not to let it go much higher.

edit: one thing to add - my credit score is a 690-700 depending.
 

Last edited by w0ady; Dec 17, 2008 at 02:07 PM.
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Old Dec 17, 2008 | 02:19 PM
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That looks similar to what i'm paying. I have a 2008 G37 though.

Sticker: 43500
price including tax,tag, title: 41200
1.9% APR
$0 Down
60months

comes out to: 720/mo

My score was low 700's and i got a co-signer to qualify for the interest rate. I don't think i would ever take anything more than 5% interest rate right about now. Even 2009 BMW's are at .9% with M3's at 3.9%.

Goodluck on the purchase
 
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Old Dec 17, 2008 | 02:20 PM
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thats 2 car payments for me dude ! the way things are with the economy i dunno what i would do man
 
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Old Dec 17, 2008 | 02:27 PM
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7.95% is out of wack....


current vystar c.u. rates:
http://www.vystarcu.org/home/rates/consumer

Loan Type Term APR as low as Effective Date

--------------------------------------------------------------------------------

New Vehicles*
Model years 2007 or newer 24 months 3.75% 11/20/2008
36 months 3.75% 11/20/2008
48 months 4.50% 11/20/2008
60 months 5.00% 11/20/2008
$18,000 min MSRP or loan amount 72 months 5.50% 11/20/2008
$35,000 min MSRP or loan amount 84 months 6.50% 11/20/2008
I do all my auto loans through them & completely bypass dealership financing.
 
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Old Dec 17, 2008 | 03:14 PM
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Yeah the price is good but the rate sucks!
 
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Old Dec 17, 2008 | 03:35 PM
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The rate is high if your credit is good.

The price is decent.

But that payment is almost as much as my QX56 Lease payment.
 
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Old Dec 17, 2008 | 03:52 PM
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for that kind of payment you should check out the audi r8
 
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Old Dec 17, 2008 | 08:30 PM
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my score more than (800)that but i am not willing to pay 700 a month. Glad you can pay for it bro enjoy it.
 
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Old Dec 17, 2008 | 10:18 PM
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Ouch...I love the G but for 700+ a month, wow it is a bad investment if you ask me. I guess if you have the extra cash then it might be different but in these times might be worth saving and getting a used G.
 
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Old Dec 17, 2008 | 10:24 PM
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is that financed through Infiniti or a credit union? Credit unions always have way better rates, also check the GAP price , credit unions are lower on the too.
 
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Old Dec 17, 2008 | 10:56 PM
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Originally Posted by HYDROERIC2003
for that kind of payment you should check out the audi r8
700/mo with 5k down can't get you in a r8..
 
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Old Dec 17, 2008 | 11:52 PM
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Originally Posted by redwillow
7.95% is out of wack....


current vystar c.u. rates:
http://www.vystarcu.org/home/rates/consumer



I do all my auto loans through them & completely bypass dealership financing.
ya im starting to think its just the dealer screwing me cause everywhere i see is lower. is there a # you call or is it all online?

Originally Posted by razor1
is that financed through Infiniti or a credit union? Credit unions always have way better rates, also check the GAP price , credit unions are lower on the too.
vystar.

like i said im going to bank of america tomorrow and ill probably also check out capital one online. any other places you recommend?
 
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