I would never try to ro do a student loan, they are normally at a great rate. You can get a personal loan and just pay it off, . . . . but normally the student loan will be better in the long run.
But
You can ALWAYS refi a car. especially if you owe less than 100% of Kelley Blue Book value ( retail value ) Check with you personal bank, see if they have good rates.

And I am ALWAYS down for a deluz run. I am learning those roads out in those mountains pretty well. Keep me in mind whenever you head this direction

 

Thanks you've been a great deal of help

 

Thanks for the great info. Any other tips for us that are going to lease their Z? I plan on using VPP and talkin myself out of as many fees as possible. Any other tricks dealers use on those of us that lease? Somebody posted a "Lease Calculator" here. Are they worth draggin the laptop to the dealer?
Thanks

 

Ya, another tip to get a good deal on a lease . . . . Email 10 nissan dealers AND your own bank or credit union. ( yes, your bank will do a lease, they just need the residual values from the nissan dealer )
Make them compete. when you compare the apples to apples . . . pick the one you want.

 

Hi,

I'm looking for a 2005 350Z Touring somewhere in the North East and I plan to import it to Canada.
Can you give me some idea what should I be paying for one?

Thank you.

 

Hi, i've got a question also.

I'm trying to help my father plan for buying an 07 g35c when the 08's come in. Is there anything out of the ordinary we should know because the 08 is a complete remake.. and so we're expecting the 07's to go for a pretty good deal then. And if possible, what we should offer because we're hoping to be able to get a deal for a little under invoice, or is that too unrealistic an offer? thanks.

ChiShi

 

Canadian imports I am not too familiar with. I would get an American model anyway, that way you can avoid being taxed twice

 

Once the new model comes out, a little under invoice is a great starting point. If the one you want is rare, or there are not too many left in town . . . .maybe start at invoice

 

So I just found out that the lease residuals SUCK on the Z.( not a stab, just a fact. )
Purchase is better.

 

My Lease residual is 42% for 4 years. Most sports cars have terrible residual, thats why you never see lease specials or commercials for them. Obviously higher end sports cars hold there value because of 'collector value, rarity, etc' After-all its not an Infinity or Lexus.

My lease is 438 a month, thats 1000 down, so not too bad in my book. I don't like to buy. I'm one of those guys who likes 'the latest greatest' I also have a 'beater car' so leasing make sense to me. I'll turn in my 07 and lease whatever is "the Shiz" in 4 years, 380 Z perhaps?

SZ

 

I have been saving for a car and found that the Z will be an excellent daily driver and fit my needs.I have done some preparing for later to see if I can still afford a Z.

- I checked my credit score about 6 months ago and it was at 717, and i was still only 18 years old! Right now I am 19, and I have limited my spending to 250 or less a month on my credit card. My Credit line is at 1,100. What do you think of the score as of right now, and in 8 months will it be even better as long as I continue making payments on time?

-I save about 1100 after taxes each month and try to deposit that into my savngs account

-By November 13th, after my Hield yield CD is done from 5g's I will receive 160. Which isn't really a lot but it helps.

-If all goes well and I save over 1 thousand a month. I will have about 15-16g's for a down payment before November 13th after my high yield CD is ready to be taken out.

-I will be looking for a base/enthusiast Z for less then 21k after taxes. Suppose I use the 15-16g's for a down payment, What kind of APR will I be looking at for financing, and is finding a loan for 5 or 6 g's a smart idea if I have a big down payment?

-I make 15 an hour working part time. Averaging about 20 hours a week. I have a 2nd job which I only make 11 bux an hour, but about 10 hours a week. Will I be able to afford a Z comftorably? I know I may sound like a little kid wanting to buy a Z, but if I limit my spending I will be able to afford it. Do you suggest me buying a Z if I DO decide to purchase one at the age of 19?
thank you in advanced!

 

You will be fine!..

 

so the smart thing to do would be to buy an 06 in late november? I want to get a PPW. Do you think I can find one for 23 OTD used? Possiblly an enthusiasist, or a base would be about 23 OTD?

 

its always good to buy a sports car in winter (from a price perspective) but the colors and trim levels at that time of year will be limited because that is also the end of the model year for 2007 and they won't be able to order new ones.

Edit Well you can look at 2004-2005 prices now and count on being able to find used 2006s for the same price in november.

 

Summer/Winter .early month, late month.

Dealerships ALWAYS want to sell cars. But $23k new may be a bit unreasonable for anything more than a base model.

 

for used though?

 

New/used . . . parts/service. Dealers want money. And the "today" deal is the most important one. They do not want you to leave and come back. That is why when they start negotiations they will always ask " if we can blah blah blah . . . will you take it home TODAY?"

 

OMG! You are so right, down to a t! They follow the same script! But I walked out on their disillusioned butts.

 

so im looking to buy an 05 coupe enthusiast. i saw one listed for $21,975 and it has about 26K miles on it. im planning on putting atleast $10,000 and paying the rest off over a period of 36-60 months with an apr of about 6%-8%. of course, im going to haggle the price down...i was thinking i might be able to bring it down to $20,000...do you think that would be a fair price? even more so, do you think i could get away with offering even less? anyways, my main question is: how much should i expect to pay out the door? how much does "taxes,fees,etc" usually amount to? i REALLY dont want to go over the $22,000 mark. what would be the best way for me to go about doing that?

 

Most dealers hold about 10% profit on used cars on the low side. But your taxes fees and all will be about 10%. ( is L.A. 7.75% tax? ) If it has current tags, you can get away with paying very little for transfer, but if not . . . figure 2% license. TTL ( tax,title,License) is about 10% approx.
Get your own financing first. allow the dealer to try and beat it, but do not go in blind!!!
And whatever you do . . . DO NOT SAY THE WORDS OUT THE DOOR to them. Let them play their little games. If you already have your own financing . . . let them play the payment game. then they think they are making back end money, therefore will lower the price of the car. Focus on price, make them lower the price. DO NOT GIVE THEM A TRADE IN!!!! Once the price looks good . . . write a check.