crono72000

iv alwase loved all Z cars, and have been member to this site for about 1.5 years now juts reading and admiring all of your Z cars. my new job makes me being able to afford my own Z car a reality now , was just wondering what all of you put down as a down payment and how much you monthly payments are would epritate the info just to be sure im not getting over my head here.im planing on putting 6 K down , i make roughly 3500 a month, im 19 and i make 22.25 an hour with no bills at all realy so would appreciate info and your oppinions.


thanks for the info

P.S. i wana get the base model. they run roughly 27,000 here in CA.

yobri

iTrader: (2)

Moved from the Engine section to the Z Coupe section.

You talking about a Base out the door, or before tax and license? Your short credit history may make for a higher than average APR.

teh RedUnit

You can use the payment calculator on the Nissan site to find your answer with exact numbers.

n8236

Like I have told many, since the Z has been out for more than 2 yrs now, you can easily purchase one at invoice + and - $300. I would NOT recommend that you go above that, otherwise you'll be just throwing money at the dealer. Contact about 3-4 internet managers of your choice and tell ask for a quote, then work the dealers against each other (when you reply to an offer, DO NOT tell them what dealer is giving you what offer, just reply w/ the offer because the dealers can collude and work against you. You can try New-Nissans.Com as someone recommended to me (Thx), but they are out-of-state, so use that as your leverage. New-Nissans is not an viable option for most people since it's not w/in Cali and the car has to go thru tons of crap b4 u can drive it. I've been shopping around in NorCal and so far I got $300 aboive dealer invoice at the moment. Just keep tryin', don't give in!

Oh, and, deal w/ OTD price ONLY. Just work the calulations backwards and know your monthly payments. From what i've asked and researched, most people are getting APRs of 3-6%. But that's fyi only. U shoul care about OTD only

crono72000

i have some credit from buying a quad, and a 2k computer but no car credit. is it possabled to afford a Z car with my salary ?

teh RedUnit

If you make $3,500 a month and you have no bills then you should be able to afford the Z. It all depends on how fast you want to pay it off.

crono72000

cool , any clue on what full covrage insurance is guna be like lol ? proby as much as my car payment =(

teh RedUnit

Most likely pretty high. You should try getting a free quote and get some rough numbers going.

engiNERD350Z

iTrader: (2)

I'm 22, under my dad's name but I just give him the money. With Allstate its $96/mth for me with $1000 deductible. I chose it over the $125/mth with $500 deductible.

yobri

iTrader: (2)

Yup, get those insurance quotes. You might be unpleasantly surprised...

Or you could do what engiNERD did and use your parents as the primary drivers. That'll help some.

teh RedUnit

Check out Progressive.com rate quote. They also allow you to compare rates with other insurance companies.

SlamMan

What is your credit score. If you don't know, get that info before you buy.

Qbrozen

ummm... why not get out on your own and put that money towards a mortgage? Then again ... you are in CA. No idea what kind of place would be affordable out there.

Oh, just looked it up on realtor.com. Found TONS of decent places you could afford on your salary.

VVrx

Try looking in Socal, I'm 21 and an automotive engineer, and I split an appartment with 2 other guys.

Qbrozen

I was looking in San Diego on realtor.com, like I said. Someone that makes $3500 a month and has no other bills can afford a decent mortgage.

I don't know your personal finances, so I can't comment on that. But I do have a friend who makes much less than $3500 a month and bought his own condo.

Its not my intention to berate anyone, but all I can say is, if my kid grows up and buys an expensive new car while still living rent-free in my house, I'm kickin his rear.

crono72000

i can still get my own place i did the math and after car payment insuarance and cell phone ( at highest price possable) i still come out a month with 1700 extra cash , + i have a girl friend, who hase no bills as well, and she makes about 300 a week or so , me and her will get a place soon, but iv alwase wanted a z car i can afford it and whyile i can freeload off my parents might as well atleast as log as i can so maby i can pay car off lil faster ,

SlamMan

Wow, so your planning on spending almost half your income on a car?

That's not smart. You're 19 though and probably won't be able to make a decision without consulting your ego for at least another 5-6 years.

I guess I can't really blame you though. I probably would have done the same thing at your age.