Alright, so my 2004 Base Black was found with 2 scratches before I close the deal. So the dealer offers me a 2005 Base, Super Black for $25,200 + 6% tax + tag + dealer fee + some local taxes, all come out to $27,400 even for the OTD. Car only comes with mats, travel net. that's all. NO kick plates. What do you guys think?? I am so tempted to get the 2005, but if i get the 2004 car, my interest will be only 2% APR. and if i get 2005, my interest will be 3.95% APR. decision decision....is it worth to get the 2005 with an almost double interest rate guys?? inputs please

-Kewlii

 

Is this interest rate difference on financing through the dealership? If so, sounds like they're trying to make their money back on a sweet deal by adding points to your financing.

My advice, if that's the case: find a loan somewhere else and pay them cash for the sweet deal.

-- Mark

 

Looks like a great price. Invoice price on the base is $24,786 so $414 over invoice sounds very good to me. As far as the interest goes... well depends how long you going to pay this loan. If you can find a better rate in the back you can always get it and payoff this one but 4% loan is not that bad, just make extra principal payments if you can and you will be fine, plus you going to have an '05, which will worth more in 2 years then an '04. If I were you I would jump on this deal. In fact that's just about how much I would pay for the car over invoice.

 

I'd take the 05; 4% interest is a good rate.

Still think you would be happier with Enthusiast, though.

 

I'd get a 2004.5 Enthusiast before 2005 base.

But if it's between 2004 base @ 2.0% and 2005 base @ 4.0%.. I'd go 2005 base. 2% extra is about $1,250 over the life of a 60 month loan which comes out to.... drum roll... twenty bucks more a month!