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Old 03-24-2013, 11:17 PM   #2726
emac08
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Join Date: Feb 2013
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Quote:
Originally Posted by iowasuby View Post
I'm not sure where everyone is coming up with this $40k number, here is what I paid:

Placed my order on Feb. 5, 2013 for a Dark Grey Metallic 2014 Subaru Forester XT Touring with:
Option Package #30- Keyless Access & Start, Eyesight Drive Assist Technology, HID headlights
mirror package #2
sport grille
rear bumper cover
front sill plates
red interior illumination
STI sport pedals
$37,696 MSRP (includes delivery price)
$34,532 Invoice (includes delivery price) THIS IS WHAT I PAID
That's the set up I wanted bro, but I couldn't justify suby making me pay for eyesight just to get the HIDS
Any how, congrats! You have a picture of the front of the car? I'm debating if I should swoop on the sports grill. Not sure how the gun metal trim will look with our dark grey.
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Old 03-25-2013, 12:49 AM   #2727
subyski
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Quote:
Originally Posted by emac08 View Post
So the pricing you guys have thrown out here is crazy talk lol. Here is what I PAID, not what they told me I would pay, or what I think I will pay. I actually have purchased (financed one). Remember, I live in Southern California.

2014 F XT TOURING: Popular Package #2 and Splash Guard Kit.
Vehicle invoice INCLUDING standard $825.00 delivery fee: $32,170.00
Selling price to me: $31,510
Document Fee: $80.00
Tax: $2,527.20
DMV Fee: $331.00
Tire Fee: $8.75
Total out the door price: $34,456.95
I financed 100% through Subaru with an APR of 2.25 (over 5 years) which to me doesn't matter as I plan on paying to car off before hand.

Now if you add anything else to this bill eg: GAP coverage, warranty.. etc etc, the price will go up. So overall if you are going to talk the "rounding" game, I think this Suby is closer to a 30k car or a 35k car. Def. not a 40k car.

Hope this helps
Congrats. This is a good deal! Excellent finance rate too.
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Old 03-25-2013, 12:52 AM   #2728
emac08
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Quote:
Originally Posted by subyski View Post
Congrats. This is a good deal! Excellent finance rate too.
Thanks! The power of the Internet! Also helped that the salesman I was working with was really cool and ranked the 4th best salesman in the NATION for subaru. He knew the game for sure.
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Old 03-25-2013, 12:54 AM   #2729
53x12
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Congrats. This is a good deal! Excellent finance rate too.
2.25% is ok but you can do better. Penfed has 1.74% currently.
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Old 03-25-2013, 09:57 AM   #2730
spaceywilly
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Originally Posted by 53x12 View Post
2.25% is ok but you can do better. Penfed has 1.74% currently.
The difference between 1.74% and 2.25% on 34,000 over 60 months is only $8/month. He said he's going to pay it off faster anyways so it matters even less. Just about any car dealer will give you a better price if you finance with them, so I'm pretty sure he is not losing any sleep over that .5%.
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Old 03-25-2013, 09:59 AM   #2731
AllAWD
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Originally Posted by spaceywilly View Post
The difference between 1.74% and 2.25% on 34,000 over 60 months is only $8/month. He said he's going to pay it off faster anyways so it matters even less.
Hey, could you paypal me $480? I'll let you send it to me $8 a month. Come on, it's only $8.
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Old 03-25-2013, 10:08 AM   #2732
spaceywilly
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Originally Posted by AllAWD View Post
Hey, could you paypal me $480? I'll let you send it to me $8 a month. Come on, it's only $8.
Sure, just send me $50 so I have your account info and I'll deposit the $480 once I get it.
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Old 03-25-2013, 10:11 AM   #2733
AllAWD
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Sure, just send me $50 so I have your account info and I'll deposit the $480 once I get it.
I'll have to ask my Nigerian uncle for some help.
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Old 03-25-2013, 10:22 AM   #2734
53x12
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Originally Posted by spaceywilly View Post
The difference between 1.74% and 2.25% on 34,000 over 60 months is only $8/month. He said he's going to pay it off faster anyways so it matters even less. Just about any car dealer will give you a better price if you finance with them, so I'm pretty sure he is not losing any sleep over that .5%.
Guess instead of paying 2.25%, he should have looked for 2.75% huh?
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Old 03-25-2013, 11:23 AM   #2735
subyski
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Quote:
Originally Posted by 53x12 View Post

2.25% is ok but you can do better. Penfed has 1.74% currently.
Good for you. 1.74 is for qualified applicants and not guaranteed for everyone. Penfed is only for military, federal, qualified organizations employees and families. For most, 2.25 is a great rate and that is what he/she actually received. How many people don't realize how being "qualified" varies from bank to bank and an advertised rate is part marketing.
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Old 03-25-2013, 11:24 AM   #2736
gathermewool
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Also, at 2.25%, he might as well take as long as he wants to pay it off. I know the markets are still fluctuating, but 2.25% is low enough to risk the extra money each month in the markets instead of additional principal payments.
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Old 03-25-2013, 11:26 AM   #2737
spaceywilly
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Originally Posted by 53x12 View Post
Guess instead of paying 2.25%, he should have looked for 2.75% huh?
Sure, if he could've found a dealership that would give him 2.75%, but take another $1000 off the price, why not. It's all part of the negotiation. It looks like he got a great price so I'm guessing part of that was because he financed through the dealer.
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Old 03-25-2013, 11:28 AM   #2738
53x12
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Originally Posted by subyski View Post
Good for you. 1.74 is for qualified applicants and not guaranteed for everyone. Penfed is only for military, federal, qualified organizations employees and families. For most, 2.25 is a great rate and that is what he/she actually received. How many people don't realize how being "qualified" varies from bank to bank and an advertised rate is part marketing.
If you can't qualify for 1.74%, you shouldn't be buying a new car.
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Old 03-25-2013, 11:42 AM   #2739
iowasuby
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Originally Posted by emac08 View Post
That's the set up I wanted bro, but I couldn't justify suby making me pay for eyesight just to get the HIDS
Any how, congrats! You have a picture of the front of the car? I'm debating if I should swoop on the sports grill. Not sure how the gun metal trim will look with our dark grey.
Yeah, I didn't want the Eyesight setup but I wanted keyless entry/start and HIDs, so I paid for it anyway. It's the nature of buying a car in 2013, as every manufacturer bundles options together.

Sorry, I don't have the car yet, it is supposed to arrive in May. I will post up pictures when it arrives though.
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Old 03-25-2013, 11:46 AM   #2740
iowasuby
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Originally Posted by A W View Post
That's exactly what I'm saying. ;D Stop throwing around ~$40k like it's some GLK or X3 optioned up. This is a Subaru Forester, not the Tribeca. The Forester barely breaks ~$36k optioned up from Subaru's site.
Exactly! The Forester top of the line is a $35k car, which is slightly above average as the real average new car price is almost $33k now, industry wide, not including full-size pickups.

If you want to call the Forester a $40k car, then do we call the Ford Escape a $45k car? Since the optioned up Titanium versions stickers for $40k, with tax/title/license it's easily $45k.

Last edited by iowasuby; 03-25-2013 at 11:54 AM.
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Old 03-25-2013, 11:50 AM   #2741
keepclam
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This thread got amusing.

Also, thanks to the folks who broke everything out in the pricing. There's no point in only comparing out-the-door pricing, because taxes & fees are different everywhere. (For example, you could pay $3000 more for your Forester in Oregon and still end up paying a similar out-the-door price to emac's stellar deal in California.)
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Old 03-25-2013, 12:02 PM   #2742
53x12
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Originally Posted by iowasuby View Post
If you want to call the Forester a $40k car, then do we call the Ford Escape a $45k car? Since the optioned up Titanium versions stickers for $40k, with tax/title/license it's easily $45k.
I don't have a problem with that.


Quote:
Originally Posted by keepclam View Post
There's no point in only comparing out-the-door pricing, because taxes & fees are different everywhere. (For example, you could pay $3000 more for your Forester in Oregon and still end up paying a similar out-the-door price to emac's stellar deal in California.)
Sure there is, as it is real money being spent. Of course it doesn't matter for those that live in the 5 states that don't have sales tax. Lucky them. But for the rest of us, that is real money that leaves our pockets. Unless you are not considering the extra $3.5k real money. If so, can you send some my way?
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Old 03-25-2013, 12:04 PM   #2743
subyski
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'80 Vette L82,'73 914 2.0

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Originally Posted by 53x12 View Post
If you can't qualify for 1.74%, you shouldn't be buying a new car.
Wow, just wow...I'm not going to even bother with this.
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Old 03-25-2013, 12:10 PM   #2744
AllAWD
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Originally Posted by 53x12 View Post
If you can't qualify for 1.74%, you shouldn't be buying a new car.
What if he has bad credit, but he really really wants it now


Because America.
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Old 03-25-2013, 12:10 PM   #2745
fishandring
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2013 Mazda CX5

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Originally Posted by subyski View Post
Good for you. 1.74 is for qualified applicants and not guaranteed for everyone. Penfed is only for military, federal, qualified organizations employees and families. For most, 2.25 is a great rate and that is what he/she actually received. How many people don't realize how being "qualified" varies from bank to bank and an advertised rate is part marketing.
Ok, while you would normally be correct, in this case you are wrong. Penfed is letting anyone with a AAA membership into the credit union right now.

Everyone can benefit from this and there is no reason not to go with a cheaper rate. Currently, you can re-fi also to that rate. So, go get your great deal at Subaru and finance in-house so you can negotiate a lower price and then just re-fi it after your first payment.

Technically, you can re-fi before even the first payment but it can be a hassle if not all the paperwork has cleared all authorities.

So, stop all the arguing and go get a penfed account while they are still letting people do it.

I have both my cars with Penfed at 1.49% from before they raised the rate recently. They also have astoundingly low rates on home loans - 3.5%.
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Old 03-25-2013, 12:12 PM   #2746
gathermewool
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Quote:
Originally Posted by subyski View Post
Good for you. 1.74 is for qualified applicants and not guaranteed for everyone. Penfed is only for military, federal, qualified organizations employees and families. For most, 2.25 is a great rate and that is what he/she actually received. How many people don't realize how being "qualified" varies from bank to bank and an advertised rate is part marketing.
Quote:
Originally Posted by 53x12 View Post
If you can't qualify for 1.74%, you shouldn't be buying a new car.
That's right, all of you scum who aren't affiliated with Uncle Sam don't deserve any form of transportation, IMO; you should most certainly walk every where you go.

I'll assume you only read the first part of his post.
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Old 03-25-2013, 12:13 PM   #2747
53x12
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Originally Posted by fishandring View Post
Ok, while you would normally be correct, in this case you are wrong. Penfed is letting anyone with a AAA membership into the credit union right now.

Everyone can benefit from this and there is no reason not to go with a cheaper rate. Currently, you can re-fi also to that rate. So, go get your great deal at Subaru and finance in-house so you can negotiate a lower price and then just re-fi it after your first payment.

Technically, you can re-fi before even the first payment but it can be a hassle if not all the paperwork has cleared all authorities.

So, stop all the arguing and go get a penfed account while they are still letting people do it.

I have both my cars with Penfed at 1.49% from before they raised the rate recently. They also have astoundingly low rates on home loans - 3.5%.

^ This man knows what he is talking about.

Not to mention any civilian can join by donating to National Military Family Association or Voices for America’s Troops.
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Old 03-25-2013, 12:19 PM   #2748
lcrazyaznl
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a friend of mine who is a beginner at the dslr shot a decent picture of my car while we were caravan to a car meet =)
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Old 03-25-2013, 12:20 PM   #2749
fishandring
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Originally Posted by 53x12 View Post
^ This man knows what he is talking about.

Not to mention any civilian can join by donating to National Military Family Association or Voices for America’s Troops.
I had not posted to NASIOC in I think over 3 years, but all this ignorant internet arguing was pissing me off.
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Old 03-25-2013, 12:23 PM   #2750
AllAWD
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I had not posted to NASIOC in I think over 3 years, but all this ignorant internet arguing was pissing me off.
Yeah, it's like that here a lot. I appreciate the Penfed info. Thinking I'll get an account for future member benefits.
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