So, if we look at what I've stated in my past comments, buying something from a private party, just doesn't work around here, they want more than double what it's worth, if I'm lucky it even has a title, then they still want KBB price. And frankly, at this point, we're waiting on my spouses parents to help with that **bleep** credit card atm, because it's their fault it is so bad. We booked a hotel room for us, and my spouses mom, and she agreeded she's pay half, she never did, and stuck us with the whole $4000 hotel bill (we needed a 2 bedroom suite, since we were having to stay there for 2 weeks, since my spouse had to undergo surgery, and stay in the area for 2 weeks). We finally got them to agree to start putting money towards it, and, at this point, the Lowes card, they sent that to collections already, and collections is willing to settle and work with me, while Synchonry wasn't.
And, the only other stuff out there, is some bullcrap charge from Verizon I told to screw off, they finally are settling for the actual amount owed, instead of the 10x charge up they tried, and so, even after paying that, since it went to collections, I will need to wait for it to actually fall off my record anyways already. And, some clinic trying to collect on some money, I refused to pay, because I walked out on an appointment due to bad staff, and inappropriate comments and questions. That's, really the only negative stuff on my record. 3 things in collection, 1 we're working with on settling, another making the payment arrangement for the $300, and one I'm disputing. The only thing left of issue is the Discover card, which frankly, isn't our top concern. Getting something reliable for me to drive, that has more then 2 seats, and has room for the stuff we need to move around, or tow, and is comfortable (I have a messed up back and hands and wrists, and despite being a woman, I'm also almost 6' tall, and generally don't fit well into a lot of cars, which are also increadibly uncomfortable for my messed up back, and my hands and wrist for driving) and reliable for long distance road time.
Also, like I said, I was originally looking for something in the $17-18k range, with a 48mo loan, and sure, I'd probably pay about $500/month or so.... it doesn't even matter, that stuff in that price range, does not exist here. Like, at all. So, the only reason I'm concidering the $32k truck, is becuase I'd be keeping it forever, it is still under warranty, fits every single one of my requirments perfectly. To me, spending money on a vehicle I hate, that is uncomfortable, doesn't do what we need it to do, is just a waste of money, where as, sure, getting what I want will cost more, I'm not just pissing money away on a piece of junk I can't count on to last driving to Chicago and back, or even Dallas and back.
Perhaps it doesn't make sense to you, but.... to me, I'm not going to waste my money, and emotional energy getting a vehicle that I will be just getting rid of as soon as I can. I get attached to my things, and I don't let them go, especially something like a vehicle. Like, I appriciate the advice you're giving, but.... I'm looking whats best for me, physically, mentally, and emotionally.
What's funny, Roadloans will give me one, for $14k, at over the state max APR for car loan, offering me near 26%, which is a crock, Santander denies us, I believe because we have an existing auto loan.
Also, want to point out, a $5k truck, that actually has a title, and isn't falling apart, that actually has what I need, doesn't happen here. Plus, I'm looking for something recent enough, I can suppliment the income on my down time driving for like Lyft and GoShare, since I enjoy driving enough. Plus, a $5-6k truck is going to be the age that is going to have a 4L60E transmission in it, and I can't, I have too many bad experiences with them, they are a piece of trash. Had one in my old pickup I no longer have, went through 3 of them in a realtivly short period of time.
