I got lucky with my hellcat. With my 20k down payment I qualified for 0.8% for 72 months. Payments 807 a month. The best part is I paid my interest with my first payment now I just watch the balance go down 807 every month.

@frocarter4503

Жыл бұрын

20 k down dam

@TragickSin

Жыл бұрын

That car is not even going to be worth 1/3 of what you paid for it in 10 years if it’s still driving …it’s a fiat pile of junk

Love the details here and really does showcase the amount of information and detail that needs to be taken into consideration when stepping into high-end, high-class MOPAR. Thanks, OCM!

Love the Transparency, appreciate your straightforwardness! I've been watching since the ScatPack (Black Challenger), would be very happy to see the Jail Break come to the Channel!

Congrats! Never been closer. Cant wait to see the beast. Build numbers are so low, fun to have a nameplate a bit different than the rest. Nice work!

I love how you say “just throw 10 at it” 🤣 I can’t wait to be in the position financially to do that. It’s coming 💪🏽💯

I agree with your approach and I appreciate your response from my last comment. I'm old too, mid 40's. Life is simple, not married, no children, house almost paid for and I make decent money. I go with the "have enough to pay it off just in case" approach. Right now my widebody Scatpack is worth more than what I owe, it's a base model none of the niceties. $51000 borrowed for 72 months and no money down, my payments are just $700 a month. I can sell some other toys or vehicles and pay it off. Anyone trying to buy a toy, watch your debt to income ratio. Paying a low balance credit card off will work wonders. And have multiple vehicles so when you add a Hellcat or Scatpack to your insurance you can designate it for pleasure/leisure. On 3 vehicles with full coverage I pay a little over $650 every 6 months but that's here on the east coast. If you can afford it I say do it. I drive mine like a grumpy old man...with a smile on his face.

im glad you also let people know that you make good money. Some people feel too embarrassed to say it.But thats just the honest truth

You are a cool Dude. 😎 Your videos make me appreciate purchasing a SXT. My car looks great, price was right and it's a Challenger. At the end of the day I am going from point a to point b in style. And, I get to see what it's like to own a scat or cat through your content. Thanks.

Recently started watching your vids and I enjoy the content. Love the energy and enthusiasm you put into the vids. Subscribed

You is teaching me in ways my father could never 😭😂 I appreciate you & the content 🙏🏽😎💯

Thank you so much for the information! I'm looking at a Ford mustang gt right now.

This is really important information that potential buyers need to know. Great job…..! Thanks 😬👍

Wow. Lots of great information. I know those Hellcats are not cheap. Mine is costing me too. Thank you for your great video.

The down to earth, realistic commentary sold me.

Subscribed! Your input is solid man,I'm currently enjoying my scatpack right now,I get decent mileage out of it,that jailbreak is too much for me,I'm paying 1300 a month for my x4m comp and regular scatpack with 3% interest on both,my credit is around 751,so I think I'll stick to this lineup.

I agree and that's why I love my scat. Plus so many people compliment me on my car. I would love to have a redeye but I cant even use all the power I have with the scat, let alone a redeye!

Great video. 👍🏼 Can't wait to see your new Jailbreak.

Awsome! Can't wait to see some donuts from the jailbreak! Great video!

I would love to talk to you sometime for some advice. I appreciate what you do and how transparent you are with us I. Your videos and I appreciate how genuine you are.

@israelg6750

Жыл бұрын

I’m waiting till next year to get my hellcat … gonna put like 25k down finally have my credit to like 748

@ManwhaNation

Жыл бұрын

@@israelg6750 sheesh I contemplated on the hellcat. But the wiser choice is for sure the scat pack considering how often I thought I would really use 707 horsepower to the max .

@israelg6750

Жыл бұрын

@@ManwhaNation pretty much people get it for the supercharger whine , it’s addicting … I already have a scat pack and about to pay it off in 18 months

@iheartwheelies

Жыл бұрын

@@israelg6750 suuuuuuure

@iheartwheelies

Жыл бұрын

@@israelg6750 you’ll be deported by then

Swing for the fences in life. This is just part being in the game and trying to win! 💪🏻💯

Great video, man! Lots of great information here for those new to loans.

Everything you said makes sense 100%. I also tell people go for a cheaper price on the actual car than the rate. You can always refinance the rate down. Price of the car will never change. I'd rather pay 6% 7% and get the car $10k or so cheaper with the dealership, then refinance to 2% later with my CU.

Dis Channel gon blow up

I’m right with you. Just picked up my JB about a month ago and planned to use Navy Federal. Dodge actually beat their rate and gave me 2.79% for 72 months. Thought that was great. So I’d suggest also having the dealer see what they can get you as well.

@OctonaBoyFresh

Жыл бұрын

True because the dealership can sometimes cut you a deal on the price of the actual car if you go through THEIR banks. You can always refi DOWN.

I agree with everything you said besides the whole “investment” argument that gets thrown around the internet constantly. Investments are gambles and the more money you put into them the bigger the gamble. I’m not going to put less down a car just to gamble the money in stocks or whatever and hope I make profit in the future

Great video again and thanks for the information

@bigheavy12

Жыл бұрын

Appreciate your knowledge thank you

I sold my 2020 Challenger Scat Pack with 21,000 miles for exactly what I paid for it out the door 2 years ago and netted 10K in equity from the sale. I picked up a new 2022 Tesla Model 3 Performance for new content for $ 67,990 including tax, title license, etc. My credit union gave me 3.49% APR on a 84 month loan and I put 3K down while have two auto loans through them (the Chally was being paid off with 10 days so they were lienient on assuming only two auto laons). Try NuVision Credit Union out of Huntington Beach for new and used auto loans. The lowest APRs in the credit union business. Love the breakdown on the jailbreak and cant wait to line up next to it for some comparisons. 🤘🤘🤘

Congratulations bro!

Awesome as always 🤩🔥

I hope to get a Jailbreak in the future! I just got my '22 Widebody Scat Pack Hemi Orange edition about two weeks ago. LOVE IT! Lookin for like minded individuals to do a "freeway takeover"in The Bay Area CA! Love your content!

Common sense has got to have a place regarding these cars. You talk a lot of sense, and it’s different for everyone. The Charger platform is so cool and practical that you can enjoy it in different financial situations. I think the Scatpack it’s the Sweet spot where you can get excitement without breaking the bank, and in my case, the Daytona 5.7 L has been just right using it as a daily driver or as a weekend car. And it always gets me anywhere ON Time, so it’s been fun and fast enough. I’m checking for the possibility of a Scatpack Manual Challenger for about the same payment adding 6 months to the debt. But I just can’t renounce to the versatility and how comfy my Daytona is just yet. So I’m waiting for a Daytona 392. 🙏🏾🙏🏾😎⚓️

my jailbreak out the door was also around 104k. fully optioned out has everything but stripes and sunroof

Also right about not stretching yourself too thin. We make about 100k together and I bought a used r/t with low miles for $23k, back in 2020. Now that Inflation and everything else is sky high in 2022, I'm SUPER comfortable with my payment, i Make that in a day myself dang near. I could have gotten a 392 Daytona. Payments would have been double

Whats sup OCM.. i just got my 2022 hellcat widebody charger a couple weeks ago.. my break in period is 500 miles supposedly.. i just hit my 500 mark today but i still haven’t drove my hellcat very fast because i still feel the tightness and the engine pulling back when i try to get on it a bit. Should i wait a while longer before i open my hellcat up? I just don’t want to blow my engine.

Speaking of price increases, have you noticed some mopar standard features got skimped down as well? There was a yellow-jacket 2017 challenger hellcat I saw near my area (they bent the lower splitter on the curb 😭). That car had laguna leather seats and and HK audio as standard. Ofc the car was gone after it sat there almost a year xd

This guy knows his shit!!!💯💯💯Great advice don’t try and run with the Jones’s

Great information! When I purchased my 2021 Challenger I went the same way with my credit Union. My payment is low and I have the car I want and can pay extra each month towards the car loan.

@redsavage

Жыл бұрын

Whats ur credit

Excellent information OCM. I agree with the logic behind the 96-month and still have the ability to pay extra if you can. Wanted to ask since you’ve owned a bunch of these, do you prefer the Laguna interior or the Alcantara interior? And which wears better? Thanks.

@ocmotivator

Жыл бұрын

I chose the Laguna Leather since it holds up better than the Alcantara over time.

Great information thank you sir

NFCU rocks, been with them since '88 when you could only join overseas. At one time I had 5 car payments equalling $1300 a month(hoopties). Do want that last Hellcat but currently have 10 cars and 3 car payments. Not sure if I want to sell anything...

Great head on your shoulders sir. Thanks but I will just stick with my Challenger Scat. It's a fun car.

Hey, how can I get 96 months of financing? What banks do you use for this? because the most extended has been 84months. Thanks

GM offered the Tremec 6 speed on its short-lived Pontiac G8 and Chevy SS 4-door RWD's. It would have been great for Dodge to offer a manual on its muscle Chargers! Especially the Scat Pack. 4 doors, the right number of pedals, and 6 gears! Plus, it's an anti-theft device.

I'm holding out for a '23 redeye. My monthly for my used HC is the same as a brand new one. 😶 I really wanted a HC so i kinda bit the bullet until orders for 2023 open up. Thank you for your honest and informative video!

I have a dumb question. But I just got good credit and I have never done what I'm about to ask. I've been playing in a car for about almost a year in a half. Never missed a payment. I gave 7 grand down on a 25 thousand dollar car. They want me to up grade but I was gonna pay it off. So say I have 10 grand 15 grand into this car already. And I switch. Do I just lose the 15 grand? Do I lose a percentage? Does it get transferred over? I'm not trying to get a hellcat and I have about 10 grand saved in the bank. And I'm not trying to get a hellcat. Just a GSF. I think they are around 50 to 60 grand.

What is the insurance like on the jailbreak?

Correct about the auto loan fallacy. I had two 2016 hellcats that I bought new and paid off in about 2.5 years. I just kept sending extra principal payments in. fast forward to 2021 and I was able to just take those two cars and trade them evenly across a table for 2021 Trx highly optioned which I love and have a clean title in hand. Now here’s some perspective: two years ago I bought 30 acres of land for 85,000 with 15,000 down my payments are under 500 monthly. I throw extra principal payments at that as well. That land allows me to have friends over, hunt, shoot guns, hike, four wheel and all of that. Then this stupid real estate boom hit and I cannot even imagine trying to get that land now. I don’t miss my hellcats because they have become iconic with the thug culture and I have a pretty fast truck that can climb the hills at my property and take my fiancé and the dogs to the vet. I guess it all comes down to priorities, no? $100,000 is indeed very much money. I’m professional deep in to six figures and I just wince and cringe when I see the price of these Mopar‘s. Maybe I’ll get a challenger hellcat of some form again, maybe not. I can tell you that having had at least one hellcat since 2015, they are not particularly plush or as fast as one would think once you get used to them. that especially goes for this new EV world we are in. I’m going to hold my cards and wait and see what’s happening as Dodge releases more stuff.🤔

I’m your 1k like bro🤝🏾

@ocmotivator

Жыл бұрын

Nice! Thanks!!! 🎉🍾👍🎊🎈👍👍👍👍👍👍👍👍👍👍👍👍

are you done with your lambo payments?

"Tonight, there's gonna be a Jailbreak, somewhere in this town!"

Good advice 👍

What is the dealership name I would like to order one .

579 FOR THE GALLON !!!!! I currently have a camaro looking to get a hellcat redeye or just a hellcat but my value for the car is 29,000$, again just a rough estimate but ya just lookin for some advice

What you know about the SRT Ghoul

I make 80k a year this car is out of my budget…I have a 2014 100th anniversary RT Challenger my next move is the scat pack…people breaking themselves for the jailbreak or hellcat…hey, more power to you…I have a kid in college and bills to pay.

@zbib43

Жыл бұрын

Ok?

@Theycallmekenney

Жыл бұрын

@@zbib43 was i talking to you?

Oh and you could just buy your insurance straight out for about $5,000 or close to that for the whole year and that way you can just focus on the car payment alone and not have to worry about the insurance with it, I would do that if I could buy a Scat Pak

Great video. Love watching. Keep the scat pack. Skip on the hellcat. Gas is worse on it too

Nice video great info. But aint no way in hell I'd have a car payment like that 😂 or any car payment to be real

There was a Ford ad playing before the video lol

Hey Man! Best advice: No pay ADM. Sadly there is rich/stupid people paying whatever dealers ask. Crazy

There's a dealership near me in VA that has a redeye marked up 30k 119k for a redeye. It's insane. I have the email of him trying to justify the price. He said we can't order any more so the price reflects that. It's a joke man.

Finding a dealer with a jailbreak redeye is almost impossible right now!

Paid 95k ttyl for my 22 Redeye non jailbreak put down 20k I’m still at 1100 month for 72 months 😂. I’m at 2% intrest though. Luckily I can get rid of it if I need to since it’s positive equity.

Nice video just buy dividen paying stock that pays 15pct every month like arr then use to pay hellcat your smart though use as business exp

I messaged you when you returned your last hellcat because I was going through the same thing as you with my hellcat. I ended up sending mine back as well and the dealer placed a new order for me. Now I just wanted to point out that I focused on your build sheet you posted on this video and don’t see the sales code for CA emissions on it. My new build sheet has sales codes “YCF” and “NAE” just thought I mentioned it before they build you another non CA complaint car.

@ocmotivator

Жыл бұрын

Ya. I told them about that the day they put in the order and even sent them an example of other orders with that code and the swore it was fine. I’ve now had no less than 5 convos with them and 2 with a Stellantis exec about my order and they swear it’s fine. But if it’s not then it’ll make one hell of a video when I get arrested. 😂

@santiagocervantes1694

Жыл бұрын

@@ocmotivator just messaged you my build sheets on instagram.

Where'd u buy that hellcat sign with green on it? That's exactly what I need

@ocmotivator

Жыл бұрын

Amazon 👍

I waiting on my hellcat charger to get built, 82K car Im going to lease since payments are lower,

The problem I’m having is I make about $88k a year after taxes here in the state of FL but my credit is shot so me even getting approved for the amount I would feel comfortable putting down is out of the question. I’m somewhere in the 600’s and I’m finally seeking professional help with my credit and budgeting because I’ve made a ton of poor financial decisions and with me only being 25 years old I wanna start now before I get to a point to where I’m not having to play catch up in my 30’s and not be able to get the things I know I can afford but have a hard time getting because of my credit and early life decisions.

@Theycallmekenney

Жыл бұрын

Dude you’re doing fine!! You’d be shocked how many of us make bad decisions financially. The important thing is you have CASH and you make good money!! Give it a year and your credit will be legit. I have a 650 score and some student debt, one credit card I’m never late on my payments I make 80k a year in Oregon. I bought a 2014 100th anniversary RT Challenger a few years ago for 26k I put 10k down it had very low miles I did that to work on my credit I’ll trade it in for a Scat or something but don’t worry you’re doing great just keep paying your bills and stacking your chips.

@StephGoKrazy

Жыл бұрын

Both of you guys are doing better than me I only make 60k and 580 credit score at 26 trust me dude you’re not in the worst situation.

I need you to help me talk to these guys so I can get my own Charger Scat Pak....I'm not good with talking to people at all hahahaha 🤣🤣🤣

Can you lease a car like this.

I understand totally with wat ur saying ,At the 96 month if u choose to pay more on the monthly payment u do it,BUT u arent strapped to that 60 month payment number if something changes in ur life,you are leaving urself wiggle room.Now for me i have no issue with putting money down,I put 20k down on my Hellcat in 2019 ,unfortunately i have no idea how to play the stock market so i never have,So that 20k i put down wouldve made me next to nothing in the bank it was sitting in,I do have money that is used with stocks but i dont do anything but get the statement every so often its from a job i had from 1990 to 1998 ,i contributed $3,350 and today in 2022 its up to $48k (it actually dropped a lottle over 3k this year since the moron in the WH took charge ,2016-2020 it went up alot approx 15k ,but thats were my stock money ends,i wish i understood it but i dont,and quite frankly id be scared to invest right now anyway with our current goverment

Navy Fed is probably the best you can go with for vehicle financing. I wasn’t impressed with the mortgage side though

Do a video about what kind of investments you do. Would like to know where to start putting 500 to 1000 a month into. Thanks!

@Capper69

Жыл бұрын

I love to see this guy maybe start up a business channel granted he might not have the spare time but I’d greatly appreciate it especially as I live in So cal but the cheaper area lol I wish I could afford a car like him in a place like him!

@k3iler05

Жыл бұрын

@@Capper69 I agree

Hey man I’m looking to buy jailbreak can u help me out oc

Bro Napleton’s is not going to give you a deal. They had to resurface the parking lot from buying the Scat and they know they are going to have to do it again soon. 😂😂😂

Enjoy your life … it’s short! 🏎

3.89 for 93 down here in Miami, daily drive a fbo 6.1 with an average of 11mpg. Could be worse

With my cars I would finance with navy federal for 96th months just to get the monthly note low. For my scat it was 492 a month but I paid 600. So it was like I was paying on the car for 72 months but I wasn’t held to that 600 dollar quote if anything happened

@OctonaBoyFresh

Жыл бұрын

$492 a month is SUPER low for a brand new scat nowadays. You must have dropped a big bag down

@Swerve2410

Жыл бұрын

@@OctonaBoyFresh this was in 2019 man, lol. I put 2,000 dollars down car was around 40,000 and I did 96 months .

I’ve got like 30K I can put down cash, and I wanna get a 23 redeye challenger widebody, I’d like a 20-50K loan for business (that being for the car) do you think the bank would loan me that with a 716 credit score? (I’m also 19)

@ashton8565

Жыл бұрын

I want to do the same except I’m 18 with a 705 credit score

I have a redeye but let me tell yall, the scat is the best bang for your buck

@bones2273

Жыл бұрын

Why the scat isn’t it less horsepower

What calculator are you using to get an estimate on dp and interest ?

@ocmotivator

Жыл бұрын

Navy Federals App but there’s a ton of calculators online too.

@universal-deals5013

Жыл бұрын

@@ocmotivator Ty soo much .

100K Woooooooo 🚀

After watching this video now I feel like I got finessed on my Redeye gave bank asked for $10k down FICO was n the high 7s no bank statements required with 1 prior car paid off interest rate is 7% 54 payment is $1.5k 🫤a month fully specked out Redeye after the build $93,833 no markup after financing tax n title $109k at the time wasn’t a video out like this breakdown sum came close but not quite I feel played but then watching till the end I think I came out okay 🤷🏽‍♂️

I can't justify paying over $100K on a brand that use to make the Neon. 🤣🤣🤣🤣

Damn man! Smh....I'll just stick with my T/A 392. A jailbreak would be nice but...that is a lot of money a month for a Dodge. I can understand some sort of exotic car but a Hellcat? Geez!

@bikefax8177

Жыл бұрын

Agree $105,000 for a Dodge Charger. In 2 years it’ll lose big

@alexleal7643

Жыл бұрын

You can build a faster car with half the price of a jailbreak. What a dumb decision.

@davidtolbertiv6446

Жыл бұрын

@@alexleal7643 but have no warranty, and hellcats dont lose value

@alexleal7643

Жыл бұрын

@@davidtolbertiv6446 ha come back in 6 months when dealerships have full yards.

@mr.potato6096

Жыл бұрын

@@bikefax8177 no it won’t since the hellcats are going to stop production after 2023 so the resale prices will sky rockets for these beast

Can you teach me how to make pretty great money 🤑 lol !

Man that is way to high four a Dodge Charger not worth it 2015 last update that car got I don’t think it is going to grow your channel good luck market about to crash

My rent is $1900, a dodge no way but a Mc Learn yes

I’ve been saying this since the mark ups started DO NOT PAY THEM!! The only reason they keep having these mark ups is because ppl out there are paying them !!

Must be nice to just leave your scatpack out without it being stolen. You do that around here, it’s gone as soon as you turn your back lol

Only thing I can say is damn but if u got money too spend its all good

so many people got money out there today.. 100+k car like it's nothing lol. It's like everyone on youtube is rich

Hey!... Your ok kid

Also if you can afford $100K you can borrow against $100k at less than 1%

@ocmotivator

Жыл бұрын

Lol. Ok dude. You’re right I can’t afford it. No idea why these banks have given me $350k++ in car loans. And I just got approved for another $300k for a newer Lambo last week. But hey. What do I know. I’m just lying to you all.

@TheHitDat

Жыл бұрын

@@ocmotivator Im just saying instead of paying a higher APR. Not hating just stating facts

Just pay cash enjoy it for a year and sell it for the same you bought it 💪🏾

Damn gas is 3.74 in va

Same heavy boat with a fancy name and a different tune nothing u can’t do to a redeye

Why are you paying tax again if you’re trading in the scat pack

@ocmotivator

Жыл бұрын

California

@pvnugget

Жыл бұрын

@@ocmotivator 🤦‍♂️😩

cool

💯💯💯💯💯👍🏾👍🏾👍🏾