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Long story short...I jumped the gun and went ahead and financed the 2014 Fusion Titanium (certified) w/ navigation earlier today. KBB priced it at 18-21K...got it for 18649 OTD.
When I purchased (overpaid) my first car 3 years ago my APR was 12.79% 60 months term - $230/month...no credit history etc.
3 years later, financed a newer vehicle with spotless credit report/history.
72 months 3.20% APR $287/month...Pulled FICO Auto V8 (762) EX and FICO Auto 08 (770) TU.
I want to thank hmw_75 and Rott161982 for the suggestion of getting a carmax quote and pay the difference (negative equity) as the "downpayment."
Turns out the dealership paid $2500 for the car and carmax quoted me at $2000.
My new baby (Jett) drives so smooth and I already received a compliment from an older lady
Ur welcome.. What would a new one cost?? I know lots of new ford have 0% APR up to 96 months at least that was offered to me when I was looking at a F150 platinum. Congrats on the new purchase
@Anonymous wrote:Ur welcome.. What would a new one cost?? I know lots of new ford have 0% APR up to 96 months at least that was offered to me when I was looking at a F150 platinum. Congrats on the new purchase
A new 2016 Ford Fusion Titanium w/ nav comes in at 36K.
Wasn't worth it IMO.
96 months? Are you just pulling our legs?
@Appleman wrote:96 months? Are you just pulling our legs?
8 years is a long time on any car, but especially used. This is how the upside down loan cycle continues.
I would maybe consider it on something like a Lexus with it's 5th year in a row JD Power Reliability winning, but not on any car that doesn't hold its value. I was originally looking at a new Fusion, but when I saw the price I decided to spend just a few thousand more for the Lexus ES. I didn't make a huge downpayment and will only be upside down for one year.
@Anonymous wrote:
@Appleman wrote:96 months? Are you just pulling our legs?
I was originally looking at a new Fusion, but when I saw the price I decided to spend just a few thousand more for the Lexus ES. I didn't make a huge downpayment and will only be upside down for one year.
A new fusion is totally not worth the price IMO too.
Very popular here in MA too.
I was also interested in the KIA optima....but my friend leased a brand new one and I didn't want to have the same car as her either so I understand where you're coming from haha.
Enjoy your Lexus
Nope I'm not. When I was looking for a vehicle to tow my new jet skis cause wife didn't want me to use her mdx. I was looking at a truck. Went and check out Ford F-150. I thought it's like a 30k truck. A Ford F-150 platinum is a 69000 truck lol. They were willing to sell it for 62000 OTD to me with nothing down 0% for 96 months. Still too much so I just ended up getting a Toyota Highlander for 38.5
@Anonymous wrote:Nope I'm not. When I was looking for a vehicle to tow my new jet skis cause wife didn't want me to use her mdx. I was looking at a truck. Went and check out Ford F-150. I thought it's like a 30k truck. A Ford F-150 platinum is a 69000 truck lol. They were willing to sell it for 62000 OTD to me with nothing down 0% for 96 months. Still too much so I just ended up getting a Toyota Highlander for 38.5
Ouch, $69k? I paid $52k for a 2016 Platinum in December.