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Thread: what are your picks for the best auto loan companies?

  1. #1

    Default what are your picks for the best auto loan companies?

    I'm planning on buying a new car and i want to find the best car loan rates, I will be taking the financing route since I don’t have enough cash to throw down to buy a car outright. When it comes to car loan, i must admit that I don't know it all, there are terms that goes over my head that I want to clarify to a credit specialist. So if any of you works as credit specialist or knows one, please let me know. By the way, what are your picks for the best auto loan companies?



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  3. #2

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    Pay cash if you can. For financing, anything over 36 months is insane, you will always lose.
    “I don’t think that there will be any curtailing of Donald Trump as president,” he said. "He controls the media, he controls the sentiment [and] he controls everybody. He’s the one who will resort to executive orders more so than [President] Obama ever used them." - Ron Paul

  4. #3

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    Quote Originally Posted by CPUd View Post
    Pay cash if you can. For financing, anything over 36 months is insane, you will always lose.
    Explain to me how we lost on a 5yr zero percent interest financing deal for DW's Subaru? With inflation, I figure we saved money the longer the loan was for.

  5. #4

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    Quote Originally Posted by specsaregood View Post
    Explain to me how we lost on a 5yr zero percent interest financing deal for DW's Subaru? With inflation, I figure we saved money the longer the loan was for.
    How much is the car worth after the 5 years?
    “I don’t think that there will be any curtailing of Donald Trump as president,” he said. "He controls the media, he controls the sentiment [and] he controls everybody. He’s the one who will resort to executive orders more so than [President] Obama ever used them." - Ron Paul

  6. #5

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    Quote Originally Posted by specsaregood View Post
    Explain to me how we lost on a 5yr zero percent interest financing deal for DW's Subaru? With inflation, I figure we saved money the longer the loan was for.
    Depreciation.
    * Enforce Border Security – America should be guarding her own borders and enforcing her own laws instead of policing the world and implementing UN mandates.

    * No Amnesty - The Obama Administration’s endorsement of so-called “Comprehensive Immigration Reform,” granting amnesty to millions of illegal immigrants, will only encourage more law-breaking.

    * Abolish the Welfare State – Taxpayers cannot continue to pay the high costs to sustain this powerful incentive for illegal immigration. As Milton Friedman famously said, you can’t have open borders and a welfare state.

    * End Birthright Citizenship – As long as illegal immigrants know their children born here will be granted U.S. citizenship, we’ll never be able to control our immigration problem.




    Reprinted from http://www.ronpaul2012.com/the-issues/immigration/ [Nov. 29, 2011]

  7. #6

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    Quote Originally Posted by follybind View Post
    I'm planning on buying a new car and i want to find the best car loan rates, I will be taking the financing route since I don’t have enough cash to throw down to buy a car outright. When it comes to car loan, i must admit that I don't know it all, there are terms that goes over my head that I want to clarify to a credit specialist. So if any of you works as credit specialist or knows one, please let me know. By the way, what are your picks for the best auto loan companies?
    If I had to borrow I would go to my local credit union .
    Do something Danke

  8. #7

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    I usually drive something 10 or 15 years .
    Do something Danke

  9. #8

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    Quote Originally Posted by angelatc View Post
    Depreciation.
    still, the amount we would have paid is the same. but by the 5th year we are paying with dollars that are worth less money. I don't see how depreciation has anything to do with it. the amount paid is the same in dollars.

  10. #9

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    Someone once told me to never take a loan on a depreciating asset. That being said, I did take out a loan on my Volvo XC60 for 0% to get the price down and then just paid it off within a few months.

  11. #10

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    Quote Originally Posted by specsaregood View Post
    still, the amount we would have paid is the same. but by the 5th year we are paying with dollars that are worth less money. I don't see how depreciation has anything to do with it. the amount paid is the same in dollars.

    If you buy new that's true. But if you bought a model 1 year older and paid cash, you'd likely have saved more than you would have made off investing the money over the course of the loan.
    * Enforce Border Security – America should be guarding her own borders and enforcing her own laws instead of policing the world and implementing UN mandates.

    * No Amnesty - The Obama Administration’s endorsement of so-called “Comprehensive Immigration Reform,” granting amnesty to millions of illegal immigrants, will only encourage more law-breaking.

    * Abolish the Welfare State – Taxpayers cannot continue to pay the high costs to sustain this powerful incentive for illegal immigration. As Milton Friedman famously said, you can’t have open borders and a welfare state.

    * End Birthright Citizenship – As long as illegal immigrants know their children born here will be granted U.S. citizenship, we’ll never be able to control our immigration problem.




    Reprinted from http://www.ronpaul2012.com/the-issues/immigration/ [Nov. 29, 2011]

  12. #11

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    Quote Originally Posted by follybind View Post
    I'm planning on buying a new car and i want to find the best car loan rates, I will be taking the financing route since I don’t have enough cash to throw down to buy a car outright. When it comes to car loan, i must admit that I don't know it all, there are terms that goes over my head that I want to clarify to a credit specialist. So if any of you works as credit specialist or knows one, please let me know. By the way, what are your picks for the best auto loan companies?
    If youre in the military USAA is the way to go

  13. #12

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    Quote Originally Posted by angelatc View Post
    If you buy new that's true. But if you bought a model 1 year older and paid cash, you'd likely have saved more than you would have made off investing the money over the course of the loan.
    yep im with you on that

  14. #13
    "He's talkin' to his gut like it's a person!!" -me
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    "Each of us must choose which course of action we should take: education, conventional political action, or even peaceful civil disobedience to bring about necessary changes. But let it not be said that we did nothing." - Ron Paul

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  15. #14

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    Shop around for a zero percent rate...paying interest on a car loan is almost as wasteful as carrying credit card debt.

  16. #15

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    Get a horse.
    Quote Originally Posted by TheCount View Post
    ...I believe that when the government is capable of doing a thing, it will.
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    Obama doesn't pose a threat to the US.
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    Zippy's posts are a great contribution.




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  17. #16

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    @follybind

    Great article about this:

    Comfortably Afford – vs. “Afford”

    https://ericpetersautos.com/2017/06/...ord-vs-afford/

    By eric June 20, 2017

  18. #17

  19. #18

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    Uber till you can pay cash. $#@! a bunch of debt and depreciation. :P
    Quote Originally Posted by Torchbearer
    what works can never be discussed online. there is only one language the government understands, and until the people start speaking it by the magazine full... things will remain the same.
    Hear/buy my music here "government is the enemy of liberty"-RPEphesians 6:12 (KJV)//I sell stuff here go buy nao!






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