>>85412029

sounds like the high interest rate was justified.

For me or for the people in the video? Because I didn't have a high interest rate. If I paid back the minimum for the loan every month (which I payed more than the minimum generally) I was only going to have to pay $300 or so in interest on an $11,000 loan over the life of the loan.

Thanks for the wallpaper.

Buying a new car on credit is stupid anyways so who cares.

>buy car one piece
>save all the ineterest.

Come on, don't be shy, how much are you overpaying for a car? What interest do you get with all your ((good)) credit history?

Why are there so many Russian and Slovenians posting all of a sudden. Every other flag seems to be one of yours.

workday just ended

also, why the fuck are they always buying some good car. If i were to buy a car, i would buy it cheaply as to not have to pay that much.
It's fucking ridicuous.

>1200x800
>wallpaper

>Come on, don't be shy, how much are you overpaying for a car? What interest do you get with all your ((good)) credit history?

If I take all 5 years to pay off the loan it will be $300 in interest on a $16,000 car. Odds are I am only going to pay $150 in interest cause I pay it back fast so paying an extra $150 on a $16,000 car isn't bad

today is holiday

that would be like 15-20% here

Bought a used car at a shitty interest rate from a terribly rated company.

After looking at all the bad reviews, I realized they were all coming from people who didn't make their payments on time. I paid the thing off in 3 years, never once I had an issue. In fact I once forgot to make a payment and they called and said since I paid double one month, they would put the extra payment to the payment I forgot.

People are bad at paying bills and I don't understand why it's so hard.

Gotta get dem jordans

she commutes by train and bus for TWO HOURS when she could drive just 15 minutes? OR ride a bicycle for 40 minutes?

My car was 29k brand new (hurr durr that depreciation) with a 1.9% interest rate I will pay roughly 1,700 in interest over 6 years.

Its really not much interest at all if you dont have shitty credit. My girlfriends car was 0% for 6 years. Just got to wait for one of the "sales events" to happen. You either end up with a shitload of rebates or a nice interest rate, sometimes both

I'll recommend everyone go and watch The Big Short.

People are retarded and don't understand how finance works, they think loan = free money and that house = happiness.

People are stupid, this is how banks and loan companies make money. No intelligent person buys things they cannot afford, let alone takes out ridiculous loans that they cannot afford.

Yea I am wondering where the fuck is it that it isn't just faster to fucking walk?

I am under the impression that paying bills in America is extremely tedious due to lack of simple, electronic alternatives (thanks to TV and movies). Is this right? For god's sake, you still use checks

I've literally never paid a bill with a check. You can do everything electronic

Fuck out of here with that limey cunt. I'm sick of seeing his smarmy British face.

Ok, but it seems your population is too retarded to make use of them and go with old, tedious ways of doing things.

At age 24 I have never in my life paid a bill on paper, and I have paid all my own bills since I was 18.

>buy a 30k car with 10% interest, 2k down
>wait 15 days and pay my debt in full
>get a call from the dealership saying to not bother coming back for service
Felt pretty good desu. Who devilish here

did you go back for service, cuz that would put the icing on my cake.

> ten minute drive in what looks like a metropolitan area.

This fat bitch should be walking to work. It's her own lazy fault it takes two hours.

I don't understand why they would say this to you.

>car dealer detected

go lie somewhere else jew

>I am under the impression that paying bills in America is extremely tedious due to lack of simple, electronic alternatives (thanks to TV and movies). Is this right? For god's sake, you still use checks


No, what happens is people get credit cards and overspend and then they lose their job or have an unexpected expense and literally don't have the money for their payments.
People are retarded

>Felt pretty good desu.

That story didn't happen. The dealership doesn't lose anything, they made profit off of the sale of the vehicle and got their cash now.
You have MORE bargaining power if you have all of the money for a vehicle up front because the dealership makes money right then, not several months or years later.

And you pay for the service, so why the hell wouldn't they want you to come back and give them more money?

Beyond all of that, most dealerships are not the lean older. They finance your loan usually from some 3rd party bank and the bank makes the money from the interest, not the dealership.

God, what a stupid fucking story. Are you even an adult?

It's the same thing as payday loans
IT'S NOT YOUR MONEY
STOP ACTING LIKE IT'S YOUR MONEY
IT'S A LOAN

And why is it that everyone interviewed is black?

I've worked at multiple dealerships, and you'd be amazed at the amount of retarded young people who come in and expect the most expensive car on the lot for $250 a month.
Used car dealerships are full of scum, but the guys at new car dealerships need to be on the level or the whole place gets fucked by the manufacturer, so the salesman tries to work with the kid. The kid walks off with the lowest rate and payments that the salesman can give him, only to come back a few months later and complain that it's too high, then just stop paying and get the car repossessed, only to come back into the dealer and act like they've been wronged and demand free shit.

They shouldn't have tried to finance a new WRX while working as a delivery driver for a local pizza place, but they did anyways and it blew up in their face.
The worst ones are the ones that beat on the car. Not only do they come back in and complain that their payments are too high, they do it while getting the car serviced for a thrown rod with less than 5K miles.
There's a reason all the salesmen at every dealer hated younger people. I've seen so many rock paper scissor games over who needs to go talk to the faggot with gauges in his ears and an iPhone grafted to his hand.

>only 24
>have credit almost as good as parents
>insurance agent mouth actually opened slightly when she saw my rates for renters insurance
>tfw only make 30k a year and jobs are fucked so no house or car available

My current car will last me forever at its current usage (2012 Chevy, only 23k miles on it), but health insurance will be a thing in two years and I have no clue where my job situation will end up. Who else /buyingtimeuntillifedecidesforthem/ here?

There is a hidden pepe on that image. Can you find it?

Exactly. A person doesn't borrow money from the fucking dealership, they get a loan from a financing company.

Once you take a loan, the bank pays the dealership and the dealership has their money on the sale.

To make additionally money, dealerships beg for your service.

Even if the repairs are covered under warranty, the manufacture pays the dealership for that repair work.

This poster, like you said, is an idiot making shit up that doesn't make any sense because it's total nonsense.

Apparently lien holders ding dealerships that provide loans which don't make interest.

>My current car will last me forever at its current usage (2012 Chevy, only 23k miles on it)

>Chevy
>not falling apart at 70,000+ miles

GM literally invented planned obsolescence.

>buy used car cash
>zero interest
>its exempt from taxes because its old as fuck

Why are you still feeding the jew?

>logical per 3-4 words

noice

subjective

This retard single mom I worked with had a $400 a month car payment and she said her adjustable rate just went up to 20% or something ridiculous and she was barely paying it off.

Her kid lived with the father and his new wife, and she had a fucking FIAT.

If she worked as much as me, which she didn't, she maybe made $400 every 2 weeks.

Gotta get that fancy new car to feel like you're not poor.

How can you buy the car in full when you work at Walmart like one of the people in the video? You need a car to get to work and you can't save up $2000 for a shit car to get you there. What else do you do?

Cause user made his credit score go high by paying that shit off so fast and the car dealer got fucked because they made $0 off interest

get a $2000 loan and buy a $2000 used car

Not even lying. Although I think they did fuck me on the interest or something because their 2.5% was the same as a different banks 3.5% or something odd. But either way I didn't have to pay much and I got a car that used to be a company car that had only like 30K miles on it and had all the nice cool luxury shit in it.

They aren't forced to take checks, actually. Of the bills I pay, only one doesn't take a card without charging a fee -- my power company -- and forces me to pay directly from my bank account. The rest -- phone, internet, water and trash, and gas -- go on my credit card which then gets paid off that day because cash back.

To be fair, though, it is easier to set up them taking the money out of a bank account with a check as it has the numbers on it, but a simple call or walk down to my local credit union produces the same results.

Usually dealerships will give you service free for either the first service or over x number of years to get you to buy the car.

Because white people don't spend $17,000 on a $2,000 car

If you work at Walmart then you shouldn't be getting a new car at all. 2K$ can be saved in a relatively short time even if you do work a min wage job.
Unless you are in a really desperate situation and need a car tomorrow you shouldn't take out loans for cars.

So we agree that some people need loans.

Why is it unreasonable to suggest that those people don't get fucked by unreasonable loans?

>Cause user made his credit score go high by paying that shit off so fast and the car dealer got fucked because they made $0 off interest

The bank makes the interest, the dealership gets the price you paid for the vehicle.

Furthermore, that doesn't make your credit score go higher. A credit score is a jew ranking system on how well banks will make money of you.

>be 17
>save 500 dollars from summer job
>go to auto auction, find decent car, buy it
>go home, save and spend 500~ more $ getting the shit I need to fix it
>learn skills from YouTube
This was in 2009. I mean granted I had the ability to walk to work at the time but still.

We need some kind of public resource that teaches kids how to transition into useful adults, and to not fall into societal traps.

I liked buying my car at subaru. The sales man was cool as fuck. The one manager there was kinda slimy but everyone else was cool

>lean
Also cash hasn't been king for half a century. They push credit on everyone for a reason.

What is google image search?

>those people don't get fucked by unreasonable loans?

They shouldn't.

However, they want a shiny new $20,000 car, and their credit score isn't enough to give them $20,000 at a good rate, so they get a shit interest rate.

Their though processes are incomplete. They have no concept of anything but immediate gratification.

I paid the entire amount for my car entirely out of pocket.

NEED MO MONEY FO DEM PROGRAMS, YA HERD

The only possible outcome of protesting this is that those people won't be able to get cars any more at all.

>nigger mom leaves her niglet in the car while she smokes crack and the car gets towed
>the show has a white baby in the car

every time.

when will leftists stop pretending everyone is it the same?

Why the fuck would anyone ever fucking take an adjustable rate loan?

What kind of a fucking retard gets an adjustable rate mortgage or loan?

Eh, it isn't that bad provided you aren't a fucking retard who can't pay for it. Most new cars will be 0 interest or very low interest if you have good credit so you won't be paying that much extra over the life of the loan.

Used cars are where the higher rates usually are

That said, I wouldn't buy a new car unless it was something like a Wrangler that holds value well

>12
>5'10"
>161 lbs
What the fuck?

Liberals will then protest how they cant get cars

No, some funded program encourages shilling and rigging. Kids learn what money holders want them to learn.

That's why I prefer the term "resource." Like some forum where people come together and collectively say "this is stupid, but this works, make sure you do this thing and not that thing." Experience sharing.

That wouldn't fly though, (((they))) spent a lot of time making sure the family structure was well destroyed specifically because they want kids as stupid as possible.

Why are poor people buying new cars? How stupid are they? Just grab an old car in decent condition. I've only had used vehicles, and average around 500 bucks a year for the car itself, plus another 700 for insurance and maintenance. People who buy new are suckers.

the kids that reach the high levels in that league usually hit puberty very young

Nearly every single segment Current Year Man has done on "exploitative" American culture is about black victims. Not saying there weren't legit exploitative companies and industries, but you get the impression niggers make it too easy an opportunity to pass up making money off their stupidity.

I got a Toyota for 0% and paid 5k upfront
Get good