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Old 04-10-2007, 02:21 AM   #1
waylandchin
 
Drives: Toyota Yaris 2007 Sedan
Join Date: Apr 2007
Location: West Covina
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I'm paying $388.88 a month for a yaris.

It's really high because my credit score was 604 according experian. I financed the car with no money down at $388.88 a month for 72 months. that includes $700 for gap insurance and $1980 for 84 month platinum warranty service. The total amount financed is 19,817.53. If I pay the minimum every month, I would end up paying 27,999.36. They are charging me 12.14 APR. I think I'll use my mom's credit to refinance.

how much are you guys paying?

should I use my mom's credit to refinance? she has a credit score of 697
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Old 04-10-2007, 08:56 AM   #2
ROCKLAND TOYOTA
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i pay 284.00 a month with 2g's down and no co-signer....
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Old 04-10-2007, 09:42 AM   #3
Black Yaris
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$215
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Old 04-10-2007, 10:05 AM   #4
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$290 w/ $1500 or $2000 down. Cant remember which.
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Old 04-10-2007, 10:39 AM   #5
the_boss
 
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275$ CAD lease, basic manual 5 dr....no down, good credit...
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Old 04-10-2007, 10:54 AM   #6
jamal1984
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$500 a month for 2 years, 2 thousand down.
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Old 04-10-2007, 10:56 AM   #7
msagowitz
 
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Oh man. I really hate tell you this, but you got ripped off really really bad. If your mom is willing to cosign for you, you should have done that to begin with. 72 months is WAY too long to finance a car. You should really only do 48 months, 60 at the very most. If you can't afford the payments at 48 or 60, then buy a cheaper car. $700 for gap and $1980 for your million year warranty was a waste. How much did you pay for the car itself? Listen to Clark Howard on talk radio, or at least go to his website. You'll want this to be the only time you've thrown thousands of dollars away. I'm actually surprised you got a 12% rate with a 604 credit score. That dealership has got to love you.
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Old 04-10-2007, 12:18 PM   #8
brickhardmeat
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250. 60 month term
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Old 04-10-2007, 12:32 PM   #9
PetersRedYaris
 
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$1500 down, $247/month.
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Old 04-10-2007, 12:57 PM   #10
Nimble
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O-M-G OP you're getting ripped. Lol how can one person (you) drive a Yaris at an overall cost of $25K+, and another (me) hand over $12900 in cash and be done with it? Unbelievable. I'm stunned.

It's a Toyota, there's no need for the $2K bend-me-over-and-take-it-in-the-pooper extended warranty. Same deal with the gap insurance....waste.
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Old 04-10-2007, 01:49 PM   #11
ChinoCharles
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$1500 down, $247/month.
Exactly.
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Old 04-10-2007, 02:18 PM   #12
Chris07LB
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$197 until I bought it.
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Old 04-10-2007, 05:22 PM   #13
IllusionX
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Drives: 07 Yaris Sedan Aero
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i'm leasing mine.
339.54$ a month.. untill i buy it. with 6.5% APR.

if i were to finance the car... 22860.65$ or 440.90$@5.9% for 60months

hey, don't forget the currency is The Canadian Dollars. :)
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Old 04-10-2007, 05:27 PM   #14
Unknown_Epiphany
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265 a month with 6k down. I will be paying it off by Dec 31st though.
Every cent I own is going to go towards this car.
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Old 04-10-2007, 06:11 PM   #15
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Originally Posted by Unknown_Epiphany View Post
265 a month with 6k down. I will be paying it off by Dec 31st though.
Every cent I own is going to go towards this car.

That's a nice way of planning. Good for you.
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Old 04-10-2007, 06:14 PM   #16
Black Yaris
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my wife pays the bills, she tells me she pays $500 on my car a month to pay it off early, I just remember the payment was $215 when we signed the paper work... hell if I know, I don't ever see any money, bills, nothin, kinda nice :)
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Old 04-10-2007, 07:22 PM   #17
Unknown_Epiphany
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Then the real fun will begin with this car after I own it.
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Old 04-10-2007, 07:56 PM   #18
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Then the real fun will begin with this car after I own it.
That's what I have been telling myself since I bought it. My sensible side has won, and I've only dropped it. But my nonsensible side is about to buy a Recaro driver's seat and some wheels. Haha
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