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Old 04-23-2020, 09:42 PM   #51
godfather2112
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Originally Posted by Sid03SVT View Post
I just can't wrap my head around a 7 year loan for a personal vehicle. If someone is on a limited income and "needs" a reliable/safe vehicle I could see an argument for a loan term in line with the factory powertrain warranty (or their planned ownership term, whichever is shorter); but my brain immediately goes to the used market and/or aggressive negotiations with the dealership.
I can't fathom a job/career where a person who is on a limited income needs an expensive vehicle (anything more than a compact hatch/sedan).
However, I don't want to dictate what others "need" in a vehicle, I know what I need in a vehicle, and I know what I want in a vehicle and I stay within my means; it's the want portion that gets dangerous for most.

I'd only consider a new truck at a steep discount though; Mother F*****s are expensive. I started an attempt at configuring an F-150 on Fords website, every time I make a change it F***s the components I care about (4dr, 4x4, V8, E-lockers in ANY GOTDAMN RATIO, payload package, black interior) so I gave up out of frustration somewhere around the $50k mark on an XLT; would be great if you could get an XLT with climate control, but you can't because "reasons" you have to get the lariat trim. I then configured a Lariat F150 and was at 62k, and stuck with a bunch of BS I don't want; literally 12k for automatic climate control.

Note: Automatic climate control is just a thing I want in a new vehicle now, I've had it for over 14 years, I'm not going back to manual climate control in a new vehicle; it's f****** standard on a corolla for crying out loud.
Well, just nut up and get the 3.5lt eco boost lariat. You can get them with 501a package for like $52k
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Originally Posted by dwf137 View Post
Advice from the rich, improperly used by the poor.

When you can afford an item, 0% interest is great. But when someone needs financing (or financing beyond a reasonable term) to be able to afford it, the 0% number is misleading and dangerous.

Nobody should need financing on a smart phone. If you don't have the cash, you can't afford it. If you can't pay off a car in a reasonable term (3 yrs ideal, I'd flex to 5 for a family car), you can't afford it. Doesn't matter what % interest, it's still beyond ones means.
Fact.
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Originally Posted by shake-rattle-n-roll View Post
Rather have more manufacturer cash on the hood since its either or than 0% since you can always refinance later down the road.
Wrong. I have a quote sitting in my email for a new 3.5lt Ecoboost lariat with sunroof, max tow, etc etc for $52.5k. MSRP is like $61k or so. And yes, I had them put together the paperwork for 0% for 84 months. Just need how to get the deal. Big hint, donít step into the dealership first.

I literally wrote an email with exactly what I wanted and let them know I sent the same email to about 12 other dealers and who ever sends me the best price on the first response Iíll go with. Send a bcc email to all the dealers and watch the offers come in.

The lowest offer was just a hair over $50k for what I wanted but itís farther than I want to drive and time is money so Iíll spend the extra $2.5k for convenience if I pull the trigger.
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Old 04-24-2020, 12:01 PM   #52
Pre
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Different strokes indeed

The part of the shifter you have to touch; it's some rubberized plastic that feels disgusting. At the time (like 4 months ago), Honda didn't offer anything else (leather or synthetic leather) and neither did the aftermarket; it was the icing on the Ridgeline transmission cake - I rest my hand on center console shifters, habit from driving 3-pedals for the majority of my life, even if I didn't rest it (which I would recoil when I did during the test drive), I just get skeeved out by the feel of that material; it's similar to the rubberized steering wheels on low end econoboxes - I can't stand touching them.

My main gripe was the only options are "P R D L" I wanted gear selection so I can hold gears when I need to (incline/decline on loose surfaces for example). I think the 2020's went to push button, so it's even worse "P R D" is all you get there. I'm not saying the ABS system will fail, but riding your brakes with a load in the bed on a grade is a good way to eat pads and rotors.
AWD system is "you get what Honda believes is right" with no real driver control.
I don't want "terrain drive modes" I want control.
You can't turn off traction control all the way without going through some god awful procedure at every startup (the button just reduces the intervention).

Just not the truck for me, the above driveline/transmission garbage are my Hal issues, call it Hal8000; Hal9000 is in the 2020's with ADAS.... dear lord.

I don't hate the in bed trunk, I hate the affect it has on the bed dimensions, and would prefer it wasn't there for a more usable bed in my situation - I do like the idea of it, just not the execution.
wood (log rounds, lengths, etc.), loose/bulk mulch, not bags, gravel/stone etc. would be loose/bulk as well; my intended use is different than yours.

The Ridgeline has a comparable payload capacity to other mid-size trucks, just an odd bed for my use where dimensions and volume are also important as payload.

Size doesn't matter as much to me, I live in a rural area and the parking garage at my office is truck friendly, not exactly bro-dozer friendly, but truck friendly; there are 1-tons that have no issue parking there.

Then buck up camper and pay your monies for a full size. I think much differently than you do. And neither one of us is wrong. I've owned full size trucks before. In this day and age with all these clowns on the road driving while smartphone looking down, handling is my priority. I may need to cut a lane, jam on the throttle, jam on the brakes, a whole host of reactionary driving to not get hit or to get away. I had a guy I'm friends with at work, a Ford nut, bust the truck's balls. Then I took him for a drive, pedal to the floor accelerating on to the highway, took an underpass at a high rate of speed. He said "holy ****" then said if he tried to do that in his F250 Kang Ranch Diesel it would have flipped over. So yeah, my use case is completely different. I want something that will do all the truck stuff I need, like my 42 bags of mulch I laid down on my property over the last 2 days. And tow my toys, actually towing my supercharged pwc to the lake tomorrow for a well deserved break from this bs. It will do everything a trucky truck will do, just lower limits on like you said, vertical bed size, and towing. But I'll take that tradeoff for handling, awd, and a safer unibody construction in the event of a collision.



Wood, gravel, etc, what does that really mean? You have an extra trip in a smaller bed? How often are you toting such things? All the things you listed I buy, but it's once a year. And if you really need that much of those materials, a compact truck and a trailer is way way less expensive than a brozer. I plan on migrating to another state within a few years, and it will be rural. I won't be trading my truck in, I'll just be buying a trailer for the added capability that I need. Full size trucks handle like **** and they cost entirely too much money. The cost differential I can rent a brozer every single year for the next 25 years and still not hit the cost delta. I only bought another truck for towing on reg (Bikes + PWC). Previously I'd just rent one 1-2 times a year. My mulch/gravel/wood trips, I'd buy the **** right then and there at HD, then rent a truck from them for $20, drop said materials off and return the truck. And it was always one of those full flat beds.



Best of luck to you with your purchase.
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Old 04-24-2020, 12:42 PM   #53
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The Ridgeline is perfect for the suburban DIYer. I'd definitely own a Dodge or Ford if I still lived out in the country.

I love the feel of my 1st Gen.. it's a plasticky Tonka truck. The only direct competitor with the 1st Gen was the Tacoma and it had a terrible ride, weird ergos, a flimsy bed, rust issues, and far lower payload. Honda backslid with the 2nd Gen by sharing far too much with the Pilot. There was nothing wrong with the column shifter, minivan-like front console, chunky (work glove-friendly) switchgear, and chunky styling.
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Old 04-25-2020, 06:31 AM   #54
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The Ridgeline is perfect for the suburban DIYer. I'd definitely own a Dodge or Ford if I still lived out in the country.

I love the feel of my 1st Gen.. it's a plasticky Tonka truck. The only direct competitor with the 1st Gen was the Tacoma and it had a terrible ride, weird ergos, a flimsy bed, rust issues, and far lower payload. Honda backslid with the 2nd Gen by sharing far too much with the Pilot. There was nothing wrong with the column shifter, minivan-like front console, chunky (work glove-friendly) switchgear, and chunky styling.
Hyundaiís long-awaited Santa Cruz pickup continues to be tested and is expected to start reach U.S. dealerships in 2021.

In a new report,( Car and Driver)the Santa Cruz could be priced from $25,000, but weíre not convinced.

The Honda Ridgeline, which should be its main competitor, starts at $33,900 in the United States and while itís possible Hyundai will look to undercut its Japanese rival, doing so by almost $9,000 seems a little far-fetched.

The Ridgeline is also $2,250 more expensive than the Pilot upon which itís based. Similarly, the Santa Cruz will share components with the Sante Fe that starts from $26,125. We expect prices for Hyundaiís truck to start closer to $30,000.


Itís been more than five years since the Santa Cruz was shown as a concept and while the production model is expected to sport a similar design, modifications will be made. the road-going Santa Cruz will be sold as a four-door crew cab as opposed to the extended cab setup of the concept.

Some good eyes out spot similar sloping C-pillars On Camo testers.

The same basic platform as the current Hyundai Santa Fe, meaning itíll be a unibody and compete directly against the Honda Ridgeline. As the Santa Cruz will be based on the Santa Fe, it will also be produced at Hyundaiís plant on Montgomery, Alabama.

two engine options will be available. base will be a 2.4-liter engine pumping out 185 hp and 178 lb-ft (241 Nm) of torque while slotting above it will be a turbocharged 2.0-liter churning out 235 hp and 260 lb-ft (352 Nm) of torque.
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Old 05-08-2020, 07:10 AM   #55
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Default List Car deals as of 5/2020

With new-vehicle sales stalling due to COVID-19 complications, automakers are pulling out all the proverbial stops with some of the richest cash and financing incentives weíve ever seen to help beleaguered dealers move the metal.

Cash rebates are especially plentiful and bountiful this month. We identified no fewer than 28 vehicle lines from the 2020 model year that are being offered with cash-back deals at $4,000 or more, and topping off at a whopping $9,000.

Perhaps even more importantly, there are more zero-percent financing deals being offered than in the history of new-car incentives, with terms as long as 84 months. Unless youíre paying cash or a rebate being offered is especially rich, you can save a ton of cash over time with an interest-free loan, especially on costlier models. According to Edmunds.com, interest-free auto loans accounted for 25.8 percent of financed purchases in April, compared to just 4.7 percent a month earlier, and theyíre likely to show an increase once May transactions are tallied.

As if thatís not enough, some automakers are helping buyers who may be facing uncertain financial fortunes with special assistance programs. Many mainstream brands are allowing buyers to delay payments for 90-120 days. Ford is going a step further by deferring the first payment for three months and making the first three payments. Nissan is likewise deferring payments for three months and is covering the first two payments on select models.

However, automakersí special financing terms and delayed payments are limited to buyers having stellar credit histories, and only on loans made via the companiesí captive finance divisions.

For their part, expect local dealers to be particularly flexible in negotiations to help spur slowed sales. Whatís more, many dealerships are making it refreshingly easy, not to mention pandemic proof, to buy a new vehicle in these perilous times. While many dealers will work with shoppers face-to-face (wearing masks and maintaining social distancing, of course) by appointment, many now literally let customers conduct transactions without having to set foot in a showroom. Shoppers now can virtually test drive multiple cars from their desktops, can get quotes and make offers via dealersí websites, and sign the paper work at home with no-contact delivery for added peace of mind.

Weíre featuring the richest new-vehicle deals below. All are for 2020 models and generally expire on June 1. While many of these are national offers, be aware that automakersí incentives often vary from one part of country to another to address local supply and demand issues, and some apply only to certain trim levels within a given model line. Check with local dealers and log onto automakersí websites with your Zip Code entered to see whatís being offered in your area on the specific model and trim level in which youíre interested.

Best New-Vehicle Purchase Deals For May

Buick Encore: $4,500 cash back, or 0.0% financing for 84 months (excludes 1SV trim).

Buick Envision: $4,700 cash back, or 0.0% financing for 84 months (excludes 1SV trim).

Buick Enclave: $4,500 cash back, or 0.0% financing for 84 months.

Buick Regal TourX/Sportback: $5,500 cash back.

Cadillac Escalade: $9,000 cash back.

Cadillac XT4: $5,000 cash back, or $1,500 cash back plus 0.9% financing for 72 months.

Cadillac XT5: $6,000 cash back, or $1,500 cash back plus 0.9% financing for 72 months.

Chevrolet Bolt EV: $8,500 cash back, or 0.0% financing for 84 months with deferred payments for 120 days.

Chevrolet Equinox: $4,750 cash back, or 0.0% financing for 84 months with deferred payments for 120 days.

Chevrolet Silverado 1500: Up to $8,500 cash back (Crew Cab Custom with the Max Trailering Package; itís otherwise $6,000), or 0.0% financing for 84 months with deferred payments for 120 days.

Chevrolet Tahoe: $4,750 cash back, or 0.0% financing for 84 months with deferred payments for 120 days.

Chevrolet Trax: $3,500 cash back, or 0.0% financing for 84 months with deferred payments for 120 days.

Dodge Charger/Challenger: $3,050-$7,970 (based on trim horsepower) cash back, or 0.0% financing for 36 months on some trims.

Dodge Durango: Up to $4,750 cash back (varies by trim), or up to $750 and 0.0% financing for 36 months.

Dodge Journey: Up to $5,000 cash back (varies by trim), or 0.0% financing for 72 months.

GMC Sierra 1500: Up to $6,500 cash back (varies by trim), or 0.0% financing for 84 months with deferred payments for 120 days.

Jeep Grand Cherokee: Up to $4,250 cash back, or up to $2,250 cash and 0.0% financing for 36 months (varies by trim level and region).

Jeep Renegade: Up to $4,250 cash back or up to $1,500 cash, and 0.0% financing for 36 months (varies by trim level and region).

Kia Sorento: $4,000 cash back, or 0.0% financing for 75 months with deferred payments for 120 days.

Kia Sedona: $4,000 cash back (L or LX $3,000 cash back), or 0.0% financing for 66 months with deferred payments for 120 days.

Kia Optima/Optima Hybrid: $4,000 cash back (Special Edition or LX $3,500 cash back), or 0.0% financing for 75 months with deferred payments for 120 days.

Nissan Murano: Up to $6,250 cash back, or $1,500 cash plus 0.0% financing for 36 months.

Nissan Titan/Titan XD: $4,000 cash back, or $2,000 cash plus 0.0% financing for 60 months with deferred payments for 90 days and first two payments free.
Ram 1500: Up to $4,500 cash back, or $2,000 cash plus 0.0% for 36 months or 0.0% for 72 months with deferred payments for 90 days.
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Old 05-08-2020, 12:49 PM   #56
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What a terrible list of cars to discount...
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Old 05-08-2020, 01:06 PM   #57
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What a terrible list of cars to discount...
How else do you move a car with 0 demand?
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Old 05-08-2020, 01:11 PM   #58
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What a terrible list of cars to discount...


Not to mention those discounts really arenít anything to write home about. The already inflated prices barely pull back to reasonable with the discounts.

Is this the best weíll see, or do we think the discounts will increase through summer?

Iíd love to snag a Tacoma with a good discount. My thought is the price drops wonít get much better than this given plenty of finance-illiterate shopping on payment for 84 months...
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Old 05-08-2020, 01:13 PM   #59
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What a terrible list of cars to discount...
I'm very interested in the Chevy Bolt. $8500 cash back, plus tax incentive? Yes please.
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Old 05-08-2020, 02:24 PM   #60
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Many of those discounts, or close to, could have been found before the shutdown. The only real difference now is many are offering 0% and deferred payments but the offer is "OR". If they want to stimulate sales, they need to do discounts "AND" 0% for more than 36 months. Sales were slowing before COVID.

The last time you saw wide spread incentives like this was around 5 years ago but you could find discounts and 0% terms for 60 months.
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Old 05-08-2020, 03:28 PM   #61
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I'm very interested in the Chevy Bolt. $8500 cash back, plus tax incentive? Yes please.
Thats the only one I would be interested in. Wonder how cheap they can get...
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Old 05-08-2020, 04:06 PM   #62
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No 4Runner, no care. lol
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Old 05-08-2020, 04:18 PM   #63
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Many of those discounts, or close to, could have been found before the shutdown. The only real difference now is many are offering 0% and deferred payments but the offer is "OR". If they want to stimulate sales, they need to do discounts "AND" 0% for more than 36 months. Sales were slowing before COVID.

The last time you saw wide spread incentives like this was around 5 years ago but you could find discounts and 0% terms for 60 months.
seems like the industry wants to stay away from anything smelling like Mitsubishi's zero, zero, zero.
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Old 05-08-2020, 05:06 PM   #64
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What a terrible list of cars to discount...
I think you mean it's a list of terrible discounted cars.
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Old 05-08-2020, 05:19 PM   #65
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What a terrible list of cars to discount...
Quote:
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I think you mean it's a list of terrible discounted cars.
I meant its a discounted list of terrible cars.

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Old 05-09-2020, 03:31 PM   #66
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Originally Posted by subyski
Many of those discounts, or close to, could have been found before the shutdown. The only real difference now is many are offering 0% and deferred payments but the offer is "OR". If they want to stimulate sales, they need to do discounts "AND" 0% for more than 36 months. Sales were slowing before COVID.
The last time you saw wide spread incentives like this was around 5 years ago but you could find discounts and 0% terms for 60 months.
I bought a 2020 Kia Soul GT Line Turbo in mid-December.
One dealership allowed me to test drive three difference trims, but we never walked into the showroom to start talking turkey.
$2,000 above MSRP, plus dealer add-ons.

-LASER etched VIN# $500
-Dealer added security system $500
-One more dealer added option $500

So it took a $29,000 Kia to $33,199 before tax, title, license.

Quote:
Originally Posted by godfather2112 View Post
I literally wrote an email with exactly what I wanted and let them know I sent the same email to about 12 other dealers and who ever sends me the best price on the first response I’ll go with. Send a bcc email to all the dealers and watch the offers come in.
The salesman (kid) was very nice, but very green.
He introduced me to the manager (waste of time).

Quote:
We have the biggest KIA inventory in Southern California!
No ****! That's because your prices are insane!
It's the end of 2019, and you have more than a dozen 2018 models still sitting on the lot with only minor reductions off MSRP.
I saved us all some time and left after a brief statement of what I was willing to pay (and had a check in my pocket to show the seriousness).

Long story short (too late), another Kia dealership about 15 miles away, had the same model and color I wanted.
I sent an email inquiring what the bottom line was on the car.
$27,486.34 was what I ended up paying (total, out the door...and yes I spent close to $30K for a kia, but I like it) .
They did combo the cash-back and good financing rate, but I had to finance at least $5,000.
So I put down $20,000 and have to make four payments then I can just pay it off.

Regarding the 0% at 84 months offers.
That does no good when jobless people don't qualify for a loan.



Deals have always been out there.
Some dealers just won't budge...makes me wonder why they're called a dealership.


IMHO, even given the current desperation to get cars selling again, many dealerships will keep up the same sales tactics as always; those that want to nickel and dime, and those that will offer decent deals because a potential customer simply asked for one.

/that's all I got
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Old 05-09-2020, 04:16 PM   #67
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I'm very interested in the Chevy Bolt. $8500 cash back, plus tax incentive? Yes please.
Does the bolt still get the fed tax rebate? It may but chevy is close to using all their credits.

Depending on the state though, there could still be some nice incentives. No sales tax on EVs in WA for cars up to 45K.
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Old 05-09-2020, 06:33 PM   #68
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Many of those discounts, or close to, could have been found before the shutdown. The only real difference now is many are offering 0% and deferred payments but the offer is "OR". If they want to stimulate sales, they need to do discounts "AND" 0% for more than 36 months. Sales were slowing before COVID.

The last time you saw wide spread incentives like this was around 5 years ago but you could find discounts and 0% terms for 60 months.
Some federal law where they can't offer both so either manufacturer cash back or 0% financing. But that where the "dealer discount" is supposed to be the workaround. So negotiate the best sales price before rebates, then look at the difference between when adding the rebate on top of that vs 0 finance

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Old 05-09-2020, 06:40 PM   #69
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Some dealers just won't budge...makes me wonder why they're called a dealership.


SOA refers to them as retailers.
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Old 05-10-2020, 03:18 AM   #70
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Some federal law where they can't offer both so either manufacturer cash back or 0% financing. But that where the "dealer discount" is supposed to be the workaround. So negotiate the best sales price before rebates, then look at the difference between when adding the rebate on top of that vs 0 finance
Definitely not true. For example, Nissan is currently offering $1500 cash AND 0% for 36 months on the Murano. Offers like this may vary by state but this shows up for my area. I purchased my Santa Fe in 2015 for 0% for 60 months and factory rebates.
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Old 05-10-2020, 07:47 AM   #71
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Definitely not true. For example, Nissan is currently offering $1500 cash AND 0% for 36 months on the Murano. Offers like this may vary by state but this shows up for my area. I purchased my Santa Fe in 2015 for 0% for 60 months and factory rebates.
The full offer is 2020 Murano 0.0% APR financing for up to 36 months and $1,500 NMAC Cash OR $3,000 cash back cash back for well-qualified buyers. The 1500 is only through nmac finance. It still not cash back from the manufacture which is the 3000 and thats why there's an "OR". Otherwise you could stack the 1500 with 3000 and other incentives you qualify for.

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Old 05-12-2020, 10:47 AM   #72
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https://www.autoweek.com/news/indust...sed-car-market

Definitely something I will be paying attention to. Hertz has some fun cars they'd probably let go before the more utilitarian.

Down near Orlando, they have a couple 2019 BMW 740i's with 18k for $41k and 12k miles for $43k. MSRP start around $83k... Also 5 Hertz Yellow/Black Corvette Z06s for $60k. And many $60+k SUVs for $40k ish. If they do file, there's going to be a flood of "fun" cars on their site. Now, having them as fleet/rentals is another ball of wax.

--kC

Last edited by KC; 05-19-2020 at 01:50 PM.
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Old 05-12-2020, 04:16 PM   #73
godfather2112
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I have access to Manheim auto auctions and I’ve started to finally notice some vehicles coming down in price. They are still holding up fairly well but you can definitely see the trajectory over the last month towards the decline in price.

****ing Ford Raptors though... I’d venture they hold resale better than a damn Tacoma. I think we’ll eventually see the rug come out and prices fall on those too.
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Old 05-13-2020, 08:14 AM   #74
KC
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Quote:
Originally Posted by godfather2112 View Post
I have access to Manheim auto auctions and Iíve started to finally notice some vehicles coming down in price. They are still holding up fairly well but you can definitely see the trajectory over the last month towards the decline in price.

****ing Ford Raptors though... Iíd venture they hold resale better than a damn Tacoma. I think weíll eventually see the rug come out and prices fall on those too.
My wifes FJ. Resale on those is insane. Looking online, (MY2013) they are selling for $25k-$28k with 80k+ miles! I think my wife paid $33k for hers. Crazy.

--kC
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Old 05-13-2020, 04:49 PM   #75
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that 's, like, your
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Quote:
Originally Posted by godfather2112 View Post
I have access to Manheim auto auctions and Iíve started to finally notice some vehicles coming down in price. They are still holding up fairly well but you can definitely see the trajectory over the last month towards the decline in price.

****ing Ford Raptors though... Iíd venture they hold resale better than a damn Tacoma. I think weíll eventually see the rug come out and prices fall on those too.
The Raptors will lose value at the first sign of $5/gallon gas on the East coast.
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