+1

 

which is why you carry a duster in the trunk at all times

 

Wow you owe a lot on a 2004. My best advice would be to refinance with about another $100 down, and keep the G for about another year. After that you shouldn't be upside down and your credit should be better at that point, you can get in a Z for MUCH cheaper in the long run, if you do indeed still want a Z in another year.
If it's a turbo you want, I would suggest a car that has one stock.

 

ahahaha omfg thats hilarious!!!
Dave wheres that damn post bout you and your
girlfriend Linda and the tree/harness. Tried lookin
for it couldn't find it

 

Superblack freshly waxed baby!! =)

 

the PWR of PPW...the second pic is my EVIL TWIN...we have da same front blk lip...we have da same drop stance...same s2k attenie... everything except for RIMS and his rims are gold with polish lip same with mine... I heard he was somewhere around san Jo...i call him my evil twin..

 

Yeah I can live with the G for that long, its not hell. Who knows, in a year I might be liable to get a volvo s60r for comfort, or an evo9. Z has way more class though.

 

Ppw Ftmfgdw!!!!

 

Talkkkin about the ghetttttooooo

 

And tell them you have a very low interest rate through your credit union but if they can match the rate you'll use their financing. Obviously wait till they come out with the rate then tell them you got lower, for example "ok we can give you 7.99%".............................."my credit union said they can give me 6.49%"

 

Only problem with that is the dealership doesn't control the rate. They just shop the offer to a bunch of different lenders that they have set up. If you can supposedly get a better deal with your credit union, they'd probably just tell you it'd be better for you to go through them. And there's only so much that can be done with a particular credit level. If you're not eligible for a prime rate (which is currently about 8%) then there's not really much negotiation that can go down in that regard...

 

Problem with this also is that the dealer HAS to pay your car off, whatever you owe on it to purchase a new car. You don't have to convince them to do it. But that doesn't mean you are getting the same amount for the value of your trade. They still have to fit the difference of the trade in with the margin they have available with the new car. If there's not enough margin in the Z to eat the negative equity in the G, then there's no deal. Doesn't really matter what car you were looking at first, the numbers have to work to make a deal...

EDIT: Well, they could always inflate the price of the Z to fit it in, but I don't think the OP would want to pay more for a car then what it's worth. He'd probably like to improve his negative equity situation, not make it worse...

 

Funny, this is how i feel about buying my Z before getting my house...my loan officer said i could borrow another 77K for our house if i didnt have the Z on my credit rpt! ughh, im actually about to sell it, get the house then later get a G35.

 

You guys are funny. Alot of you have no clue how the car sales process works:

1. The dealer can change the ACV (actual cash value) of your trade at anytime before a deal is finalized. They just run the risk of losing the sale.

2. The dealership often adds a little to the interest rate you are approved for unless you there is a special rate. Say a bank buys the loan for 6.9 the dealership might quote you 7.5-7.9%. You can bluff with the better rate elsewhere idea but it will only work if you are in the range the Bank stated they would buy your loan for. If you are too low they will know you're full of it.

3. If you try to move from one vehicle with a higher margin and they give you an inflated margin for your trade you can't just switch to a car with a lower margin. That will start the whole process over.

 

Hmm. That doesn't make sense though. You can't have much left on the loan for the car if you purchased it new. Even so, the car can't be that big of a hit. A car less around 30k should not have a 77k effect on your credit worthiness. Then again, the credit report game is a bizarre one. Best of luck to you.

 

Damn, u owe $28k?! Well i guess people like you keep the credit companies alive

 

If I could have another Z it would be PPW with gold Volks.