I'm paying $388.88 a month for a yaris.

[dr_evo]

Originally Posted by Nimble

Ahha my good friend! You got in on the 05 end of the year 0% on Evo deal! Amazing deal huh?! I *almost* bought a Evo 8 RS for invoice and they'd throw in the 0% financing. Slaps head for not doing it.

yeah i jumped on it when i saw it advertised plus i got a graduate rebate which made it more tempting. i was told that the evo 9 was on its way but i knew i could not pass up the 0% and i also realized that the 8 already had all the power i needed. i however realized later on that it could not make almost 300whp,300wtq unlike the evo 9 with just a tune though.:)

[dr_evo]

Originally Posted by Blenjar

Nice set-up u got dude...

well I got it all..i know it was dumb..my car out of the door was 16k with a 8% finacing on a 60 month.

Its 324 a month.
My dad will only help me until the 30th month, after that I'm on my own...
What do you suggest other than saving big cash and paying off the remaining in 1 hit? re-finance with lower APR in near future perhaps?

And how do you get that .5%+?

-- Blen

the .5% i meant was if i financed my car for 5.5% and placed 12,000 in the bank on CD for 6%, then i still gained .5% rather than paying for the car outright and i can always divert the money to wherever it is needed.:) hope this clarifies my odd theory. hehe

[graywolf_14]

I pay $396 with 0 down and a credit score of like 520-540. Course I got the 6yr warranty and the gap insurance. It includes stuff like unlimited towing and will pay for meals if u are more than 150 miles from ur house and all kinds of stuff.

[graywolf_14]

Course I am going in the airguard so I am going to put that 7500 on the car than refinance.

[waylandchin]

Wow, graywolf, I thought I was paying high. You just made me feel a little better about my purchase. :-) with a credit score of 520-540, what APR did they charge you?

I have a feeling they have a problem finding a bank to finance my loan though, because I have gotten five letters from various bank that have declined to finance the car. I think the finance manager is farming out my loan to a bunch of banks and has not found a taker yet. But it's been over 10 days already so they can not take the car back, according to the contract. I wonder how this is going to turn out.

[meteorite2007liftback]

I am paying 302.50 on a 4 year loan - I traded in a troublesome 2001 Audi A6 2.7T on the Yaris and I am glad I did, it only had 2 months left on the CPO warranty and had been in the shop for something at least once a month during the short time I owned it. My loan balance on the Audi was like $12342. Credit score is probably under 620. The dealer gave me $12,500 on the Audi and the Yaris sticker was like $11900. I had my stereo shop install a head unit and sub/amp for less than $500 and it sounds great. They also put in a cruise control so I am all set. Cruise, Air and 500 watt sound system less than $13K out the door :)

[graywolf_14]

Well it would be 366 with out the gap which I am going to get rid of to save money. I even had a cosigner that has like a 650 credit score. It was my gf and combined we make like 3400 b4 taxes. I got on the toyota site and it says my payments should be like 290 a month. They are suppose to call me when ever they get me financed and when they do I will tell them I want payments closer to 300.

[YarisKid]

$265/mo - 60mo
1k Down
6.5% APR

-YK

[07YarisOwner]

$4000 down all the extra stuff warranty, gap, and so forth $222.84/72 months

Credit score was 513 wachovia financed we will refi in aug. and get a better rate no doubt!

To the "OP" I think you got screwed BIG TIME!!!!!!!

[death is my gift]

nothing down. crappy ass credit. $358 a month for 72 months.

i went in with a 'good' condition 2004 Pontiac Vibe. was looking to lower my payments by getting a used car, nothing special. walked out making the same exact payments for my 2007 Yaris. i put nothing down and my credit score is below 500.

[ceres]

Aside from gas and the money put aside to replace the rims & stereo/speakers, nothing. Paid for it up front. Put a little money aside every month for a year while I researched cars.
Originally was somewhat set on getting a used Nissan Sentra until I came across an ad for this car on Edmunds.

[Ran Kizama]

I traded in my Mazdaspeed Miata (MX-5 for you non-Americans) which I still owed on. No money down either. I came out a little upside down but not too bad.

$350 a month for 48 months.

Making advanced payments as well to be done sooner.

[jetaimejsc]

well, i took mine out around 1month 1/2 and i did not make a down payment and my payments are $329.42 a month with some type of toyota insurance they gave me, for 60 months or less, depends if i send extra payment, im currently sending $450, but ill probably stop doing this in a little while

[Imagine]

I'm paying about $295 a month for 60 months with a 6yr/75,000 gold warranty. My interest rate was 6% though, which helped a lot. Had -$200 for my explorer trade-in. No money down.

[jmjonesey]

Originally Posted by Imagine

I'm paying about $295 a month for 60 months with a 6yr/75,000 gold warranty. My interest rate was 6% though, which helped a lot. Had -$200 for my explorer trade-in. No money down.

You got 200 bucks for your explorer? is that a typo? wow what year was it?

I had a POS chevy truck that barely made it down to the dealership
and i got 1500 for it

[Imagine]

Originally Posted by jmjonesey

You got 200 bucks for your explorer? is that a typo? wow what year was it?

I had a POS chevy truck that barely made it down to the dealership
and i got 1500 for it

No.. I had to carry over $200 which was the difference of trade-in and payoff.

[kaboom]

wrote'em a check and let'em have my '00 subaru outback w/over 130 k on odo

[waylandchin]

how long does it take to get a lower rate for refinancing?