I'm wondering how most people on here got their ST or TT set up. I know some of you make big bucks and can pay for all this but how about the people that dont?? Credit cards? loans? how? haha just curious i already started saving for it but its going to take me a good year or more

 

You could do a sneaky little trick through Capital One. If you get an auto loan they send you a blank check if you are approved with a maximum limit attatched to it. You can write the check for whatever you want to whomever you want. the rates are higher for person to person sales, and used car sales. But it asks for a VIN of the vehicle. If you want to get an FI kit with it you put your G's VIN down. The VIN is collateral on the loan so you better not default or they'll show up at your house and take your G. Since all the VIN is doing is allowing Capital One to do a background on it to see if you own that VIN it won't throw any red flags that you didn't buy a car with the check. The system will assume you used the check to purchase the car with that VIN attatched to it.

When I bought my Skyline I did much the same thing. The Skyline doesn't have a 17 digit VIN assigned to it so Iused the VIN of my G to collateralize the loan and it worked out. All capital One wants to know is that in the event of a default they will have the ability to recoop their losses. So as of right now, if I default on the loan they can take my $70,000+ G.....A lot of incentive to keep those payments rolling.

I think CapitalOne is the only company doing the Blank Check system for the time being. I'm sure there will be others.

Hope that helps.

 

WOW THIS SOUNDS TEMPTING!! im only 21 and i dont have great credit (not bad but i got my credit started last year) so its probably pretty hard for me to apply for a loan (still ganna shoot) plus im already in a 50k debt with the car and im scared to get into more haha but then again we only live once . all i want to spend is about 12K or 15 the most on a single turbo good tuning run it at safe boost and use it as a daily driver..dont want to mess with the internals... any other ideas? ima give this one a shot and apply and see how much i can get.

 

I wanted to keep my disposable income ratio the same, so I cashed in a cd rather than sell some stocks or get a loan. I need some cash free each month for incidentals with the FI and to maintain my extravegant playboy lifestyle.

You're in Dallas I see. Do you have a G already? Grubbs will install the Vortech on any new or used G35 and add it to the car loan. They were the first to tune the G35 6mt to 400 rwhp with the Vortech. They also have a lot of other aftermarket stuff for sale and will install it for you. If I bought a new G, I would definitely buy if from them and let them do the install.

 

I doubt they'll approve you for as much as you stated. I am 22 and have excellent credit and a well paying job, and my car is fully paid off and I was only approved for $20,000 due to (lack of years with high credit limits). It's nothing bad it's just that htey haven't seen enough years of solid high credit limit performance to give me more. So being in your situation and looking for that kind of cash may not work. There are definately limitations to this kind of approach. I guess ishould have put a disclaimer in my post. LOL. But out of the large Auto Finance banks, CapitalOne is the most lenient I have found. Most other banks were going to lend me a MAX of $12,000 but CapitalOne gave me a ceiling of $20K. So, I hope it goes well, but my advice would be to pay off your existing debts first. $50k is a lot for a 21 year old trust me I know. The $20K loan is the only debt I have ever incurred in my life and there is nothing I hate more than owing people money. So have a solid plan for your future. Plus there is nothing more devistating to a credit score than having to declare bankruptcy or defaulting on existing loans.

 

Yes I am very familiar with Grubbs and yes I have a G. My G made 415 rwhp and 378 ft/lb tq ona Greddy TT kit at 8 psi. I also have a custom stereo in the G making it more expensive than a Porsche 911 (I won't specify which Porsche) but I am no stranger to the modding game and it is fun and tempting to go for more and more, but never lose sight of what you have. A G35 is a great car without being modified, the lines and the exhaust note are great stock so be careful and Yeah Grubbs is the only shop I would trust with my Turbo or Supercharged car.

 

your right i should just chill out and let this FI bug pass ...or save up for it and get it later... for now i should stick with simple mods and visual mods ... i was just wondering how most people could afford to go FI and yes i was planning to but u put things back into perspective.. than you

 

Hey but seriously, I'm not trying to preach or be your dad or whatever. You just have to know that when you incurr debt (no matter how small or large) the amount you incurr is not the issue. It is how well you know yourself and who you are, that you WILL own up to your word on making the payments to resolve that debt. If you are a solid and driven person who is confident enough with himself and his ability to have asecure job and work his a$$ off then that level of debt may be ok. I only put in about 45 hrs. a week t work becuase I have other things to do like work out and spend time at home. Not putting in extra hours and working 60 to 80 hours a week decreases my comfort level with a lot of debt, but allows me to be confident that I can pay the debt I have incurred. Just something to think about. I just don't want to see you get in over your head. i have seen a lot of my frineds at young age get in over their heads and either have their parents step in and pay off their debt for them (which is very embarrassing) or they declare bankruptcy and that will stay with you for the rest of your life.

 

No you are completly right. i do tend to get over my head sometimes and i'll go way out to get what i want...wich can be good but bad at the same time.. i should just buy things i can afford and pay for cash .. ive done alot to my car in the 2 months ive had it and i should be satisfied. I will take your advice on this one and chill ...Also i didnt take it like you were preaching or being a "dad" i took more as a fellow G owner giving some good advice. Thats mainly what this thread was for. thank you

 

You bet. I'm glad we are on the same page with this one.

 

Was thinking about spending $17K on my '05 6MT coupe and decided not to.
I'd rather get slightly used C6 Vette with 350whp stock and with just $5K mods going to pull 420whp+ NA while running high 11s with no worry on reliability. Plus, I have a winter beater anyway.

This car is good as is. Getting yourself into financial debt, loosing value on all mods later when you sell and worry about any issues with FI is not worth it IMO. Maybe intake/headers/exhaust, UTEC and good tires and that's it, anything over is just plain dumb, but to each his own. Invest in yourself, real estate, etc. not this.

 

very true.. i mean i was thinking about it and it was getting very tempting haha and now hearing you guys and some of the big guys that are FI talk about the problems...i have decided to stay N/A

 

I think it's for the best.

 

about the corvette, and reliability ..... uh, why don't you check consumer reports on reliability of corvettes... from personal experience i would never deal with another corvette. I mean it was ok when i was 19 but now i'm older and i understand why japanese cars are the way to go. but you should find out for yourself. good luck!

 

Heh? Then help me to understand why did CR rate the Vette as one of the top ten last year?

I don't trust CR in automotive stuff . I still remember my uncle reading a CR review of the 1992 LT1. He had just bought an LT1 so out of sheer curiosity he bought the issue. They said it was the quickest car they had ever measured, but one of the test parameters was for ability to carry a wheelchair . I remember he was laughing so loud his kids came running to find out what was so funny. He never paid any attention to CR since then.

BTW, my buddy drives 2005 C6 and has over 10,000 miles on it and no issues. His previous 2002 C5 had three years of driving....about 34,000 miles....and was to the dealer only one time for the passenger's side door lock not working properly. Which, of course, was fixed under warranty.

Go over to the BMW or Mercedes boards if you want to see a lot of problems. Or ask any Honda/Acura V6 owner from 98-03 with constant AUTO transmission issues and I still hear exist or 350Z suspension/tires issues since '03. I can go on and on.