financial illiteracy should be the pandemic, not covid. LMAO!

@ivanfredoo5863

2 жыл бұрын

Financial literacy has left the chat.

@jml9550

2 жыл бұрын

Haha. These young cats spending future money. Well 85% of Americans either lease or finance cars.

@leepialong

2 жыл бұрын

especially buying bimmer with supra badge on it

@garethwynn01

2 жыл бұрын

I can't imagine buying a depreciating asset on finance. Unless you're rich enough that it doesn't worry you but I'm certainly not that rich. Buy something that you like that you can pay cash for. Save for it in advance. You'll enjoy it much more.

@balenciimusic

2 жыл бұрын

@@garethwynn01 most people that say that don’t buy a sports car still don’t save that money they didn’t spend on a car, they just want to say something negative in a condescending manner.

Got my 2021 premium for $58000 in October 2020. Tuneable luckily. I put $15,000 down and got an interest rate of 2.9% with a credit score of 774. My payments were $587 a month. I've refinanced since then and my payment is now down to $415 a month. Geico full coverage is $137 a month with a clean driving record, no tickets. So, less than $600 a month to own a Supra.

@jml9550

2 жыл бұрын

Dang at $587 per month that’s a 7 years loan.

@sereph9612

2 жыл бұрын

@@jml9550 Yea, only way I could have the payment in a comfortable position. Anything else was too high. After chunking away and refinancing, payment is down to less than $450 a month now.

@jml9550

2 жыл бұрын

@@sereph9612 that’s great.

@pimpstick9988

2 жыл бұрын

Lucky mf

@leepialong

2 жыл бұрын

​@@sereph9612 with that payment, you are making like 85k a year..

What’s crazy is the insurance company recognized this as a Toyota so the insurance is cheap, if it’s a BMW name on it, it’s more. Smart move.

@sbfhawk4343

2 жыл бұрын

Yeah my AAA insurance had no code to go find its rate for this type of car they said it came under a Speciality limited edition but since its a sedan it was still not as high as i thought it was going to be I pay about 35 dollars more then I used to monthly!!

@VictorEstrada

2 жыл бұрын

Yeah absolutely not true. I pay less than 100 for full coverage, with other perks like windshield, towing, etc. Because according to the agent, it's a safer car from how well they handle and safety tech, and theft is low cause of their security.

@JonSk8rDuDe

2 жыл бұрын

Have you owned a BMW or how do you qualify that statement? I’ve owned a BMW and with full coverage was still paying under $100 a month.

@doorkicker8507

2 жыл бұрын

That’s definitely not true

@johng81818

2 жыл бұрын

It has nothing to do with whether it says BMW or Toyota. Insurance company will factor many things. Including what type of coverage do you exactly want on the vehicle. Also your driving record and history. Also your location will determine how much more or less insurance you will have to pay. When I use to live in Los Angeles county my insurance was way more. When I moved to San Bernardino County in Apple Valley, Ca my insurance drastically dropped by a huge amount every month due to my new location.

bro there’s no way that guy put 20k down at 2.5% apr and still has a 840+ payment 😟 that’s almost 40% down lol

@legacyca8383

Жыл бұрын

He probably wants to pay it fast so the payment is the same price as the other but for a wayyyyy shorter period of time

@jrobledo3557

Жыл бұрын

@@legacyca8383 True but at that point just save up another year and buy it cash lol

@Hiddentrax

Жыл бұрын

yeah that math ain't mathing 😂 he's lying about something. Especially since he said he got the car for 53k, and just 60months finance. He either got finessed bad or is lying

@rayplaysgames_RPG

Жыл бұрын

He either got a short term loan, or he got butt fucked

@BenjaJohnsonIII

5 ай бұрын

@@legacyca8383no did you not hear. HE SAID 5 year loan just like the others. So he’s lying his ass of about somethign

Literally watched the entire video the edits were amazing bro it was hilarious and I love the way you did the cut outs with the wasted lmfaoo

no cap, i need to see hector when im ready, im near west chester and he seems like an honest man to deal with.

Wow. Blue and violet are actually two of my favorite colors, so I really like this paint job. Hopefully I can get a Supra someday. I just started a new job at a game company back on December 15. I can finally start saving. I was down to 3.00 in my account back in early November. Now I am over 6 thousand and rising. I have a stock 2016 Genesis Coupe 3.8. I either plan to have a built 2.0 placed in it, or have it LS3 swapped.

@atom095

2 жыл бұрын

thanks for sharing?

Dope content keep it coming you’ll blow up one day you have potential bro I’ve said it before .

man... i don't remember what the lease deals were, but cash/finance rebate was really good in Aug-December. $4500 cash rebate or 0% APR. got my 3.0 premium in Aug 2020 for 50k + TTL and a 33k trade-in. they were real desperate to sell after the 2021 power bump was announced

Dang bro that's sick also Keep it up

I still love the Toyota Supra!! I cannot wait, they are actually redesigning the Supra in 2024.

I have tier 1 credit it's hard to kind of find anything better than 2.49% I see usually dealerships running those kind of promotions a 0% apr. That's amazing.

@jml9550

2 жыл бұрын

I don’t think any manufacturers are offering 0% anymore during this time. 2.49% ain’t bad at all.

Literally tryna see how much I need for mine in the future

After I finish paying off my jeep, I’m looking to get a nice cool looking summer sport car. I always wanted one but in terms of reliability, it snows way too much where I live to start off with a lower suspension car.

It’s kind of important to ask what LOAN TERM they decided on. 🤦‍♂️ Can’t be all surprised the guy that basically had $20,000 down still has an almost $900 payment when another guy is paying less than $500 who had a higher final total. Obviously he’s on a 48mo term vs the dude paying more total but set his up for damn 84 freaking months like a sucker.

I like how they do not tell you how long it's financed for and the how much interest you end up paying over sticker price.

@lagrange3859

Жыл бұрын

0 apr is 0 apr

2020 was a fantastic time to buy a car. Bought a G35 sedan for around 3k back in 2020

@_Zoctane

2 жыл бұрын

Nice

@Sickwitit18

2 жыл бұрын

I bought a car just days before 2020, right after Christmas 2019. That bitch shot up in demand haha

Heard the Supra coming out with a manual ! Debating now about getting one.

This video was maa informative 🙏🏽

@tukes_

2 жыл бұрын

Glad it was helpful!

I got my 2020 Premium in April for $49,750 but had $3500 in negative roll over trade in so I’m still happy with what I got mine for worth more now that what I walked out with

@PattyTheBaddy

2 жыл бұрын

$2500 down payment so roughly about 52k for mine + tax title license

My 21 GR is 1336.00 a month. I’ve put over 10k in upgrades in engine and 5k in the body, pure joy is worth every penny!!!

@Carlos.Rivera

2 жыл бұрын

Lol... it have jacuzzi?

@taylormorales2795

2 жыл бұрын

@@Carlos.Rivera lmao

Been following you on insta! Love the ride, now looking at one myself. Went to dealer yesterday, 62.9K before anything for a 22 turbelence grey 3.0 premium ordered😒

@qwertyu2580

2 жыл бұрын

Look around dude. I paid 56k before taxes for a 1.9k mile 3.0 with tinting and clear bra plus a90 carbon steering wheel. Just to put it into perspective I believe some people got the 3.0 for like 49k before the chip shortage. So buying at 62.9k will put you close to almost 15k over what people paid a year or two ago. I couldn’t justify paying the 63k at the Toyota dealership so I bought slightly used which was way better.

I'm looking to pick one up soon... I want a 3L... not sure I need premium or anything. What are your guys thoughts?

@manueldelcaribe2180

2 жыл бұрын

The B58 already have many issues in a very short time...one issue oil consumption problems and electrical components problems...so keep this in mind before get a GR Supra and don't get me wrong is a very fast and fun to drive car looks cool and the motor internals are bullet proof until rated around 1,100 hp but like most of BMW's the electrical,and how hard is for repair can make the prize of maintenance extremely high after the issurance end and the externals parts are so frail vs the internals you already can check many videos on YT from owners that have this issues in a very short time...better wait until Nissan400z go out is not faster but you can have a manual, looks better in my opinion and is cheaper is just my opinion you are free to buy whatever you want but keep this in mind ...

@manueldelcaribe2180

2 жыл бұрын

@@tukes_ is looking better have better interior and visibility.The only part of the car that look worst is the front grill.Rear and overall look better and more practical and of course without al that fake vents.And for the prize i can even modified the ugly from look with after market custom style and i still have plenty of money to buy a custom chip,better exhaust and still cheaper than the BMW money pit.

I see that blue Supra everyday next to the car wash lol

ummm...is it really that challenging to calculate a lease or finance amount based on the purchase price, down payments and/or trade allowances if any? i dont get it

damn I gotta come chilling with you guys so I can be part of the supra crew.

@austinkruck

2 жыл бұрын

@@tukes_ can’t wait till the meets start up again gonna see me at every Supra Sunday 😉

@jml9550

2 жыл бұрын

It is easy, $1000 per month for 6 years.

@austinkruck

2 жыл бұрын

@@jml9550 damn dont let toyota financial know my payments are missing alot of zeros then lol

It doesn’t add up for ol dude, his car was 53k, he said he put down 10k plus the 10k from his trade in so that would have made the car 33k to finance, he said he got a 2.5 APR with a 5 year loan, no way are his payments 880, he has to have a 3 or 4 year loan for his payments to be that high, he would be paying like high 500s or low low 600s if it was a 5 year loan, it don’t add up

@ExpansiveAcorn

2 жыл бұрын

My guess is 53k doesnt include tax tags fees or anyother non sense the finance office added. So people say they paid 53k but assuming fees it could be another 15% so 60k maybe.

Put $62,955 down with tax and fees, $0 monthly payments is the way to go.

@jml9550

2 жыл бұрын

Exactly. But most of these young cats don’t have that type of cash. 85% of American either lease or finance their cars. Dealers and banks loves them.

@drone1028

2 жыл бұрын

Or put the 60k in a high dividend account, and make the payments from the payout.

@CB-vu3pd

2 жыл бұрын

@@drone1028 I would have lost 30% doing that this year and it's not worth the hassle come tax time to save 5k in the end.

“Dominican barbers always look out”🤣💯

58,800 for my 2022 premium put 6k down 5% apr at 985 a month

Yeah that’s the car world right now ! It’s crazy

Why did he use a ND/Polerizing filter on that late at night. LoL nice! I may have to get one!

thank you!

Dominican barbers lol 😂 love this video

927 payment for a 22 premium nothing down traded in my frs for 16k in cash would have used it for the car but payed off my tundra it’s a lot but I love the car wouldn’t go back

Says that I just traded in my GT350 for a new 2022 premium 3.0 Supra and I payed sticker for it $56,980 for mine no mark up at all. Did not think I would like it over the Shelby but after the first drive I was like hold up here take my keys now xD

Sheesh all of them got touched I got my 2020 3.0 premium for 48,700 with 300 miles and it was the managers car he used to get around.

Your Monthly payment is more than my 2018 Mustang GT and 2021 Harley Sportster S payments combined.

I’m 22, I have a 2021 supra, I pay $700/mo with 3.49apr. I traded in my wrx with 4000 miles I put $7000 down on top of the trade in

@ShadowsMKV

2 жыл бұрын

Who do you have insurance with and how much is it?

@Its_takaa

2 жыл бұрын

@@ShadowsMKV AAA

@ShadowsMKV

2 жыл бұрын

@@Its_takaa how much a month

how do you put 20k down and still have an 800+ payment unless its a 2yr finance... 32k should be no more than 550 a month lol

@konradzach4326

2 жыл бұрын

I’m saying lol 😂

@tapis2

2 жыл бұрын

Yah numbers are def off here lmao

@angrod3

2 жыл бұрын

big facts that dude straight capping. He even said 5 year plan I believe.

@ltatjsallday8709

2 жыл бұрын

His credit must be suck 🤣 I put 15k down on my 4runner and it's only $340

@BLAKETHOMSON

2 жыл бұрын

Higher interest rate

What purple lighting system is that under the far right supra?? Can you post a link possibly??? Thanks!

@tukes_

Жыл бұрын

its an amazon brand led i wouldn't recommend it though the quality isn't the best and they don't last

I bought mine at 62,425 2021 3.0 premium. 2.5% apr at $927 a month. it had less than 4k miles on it when purchased. i put 0 down only traded in my 2020 Tacoma they paid me 40k for the truck and only owed like 37k ish. Overpaid quite a bit but still extremely happy. I pay 160$ for full coverage insurance. Love the look of ur supra keep vids coming

@jordansimpson2656

2 жыл бұрын

How many miles did your Tacoma had ?

@CREA30

2 жыл бұрын

@@jordansimpson2656 6582

@rebirth7757

2 жыл бұрын

Please tell me you got gap insurance.

@CREA30

2 жыл бұрын

@@rebirth7757 ofc never walk without gap on a new car.

@alphabromega859

2 жыл бұрын

you got paid 40k on a 62k car and somehow still came out owing almost 40k? how the fuck?

Wait you can modify your car with a lease? I thought you can’t do that because it ain’t your car unless you pay full cash or finance it?

@drone1028

2 жыл бұрын

He probably plan to buy it after the least is up.

@Zurdo_Grease

2 жыл бұрын

Toyota don't care if it's FBO just put stock parts back on and that's it

Love the color

Ah yes the face of someone who knows they nearly spun out on the highway

$800 a month + insurance... Jesus, I've had evo back in 2015-2021. Paid, $575 a month + $180 insurance. In 2-3 years, I got sick of doing payments on cars. Such a waste of money for me personally.

The dealer I ordered from. had it for sticker, thank god

Jesus Christ. That's some huge balls racing in that condition and weather. My shit spin for days in 40 degree weather.

Wow. Y’all got GOT

its really easy to make the payments on any car really...i could make comfortably a monthly payment of like 1200 a month on a car. But the hard part is having the good enough credit to get the car lol.

@tukes_

2 жыл бұрын

Of course lol, that’s why credit is important

@jml9550

2 жыл бұрын

Having cash is more important.

😆 i pay $80 bucks a month full on my Supra. 37 years old, had two claims in my wrx.

The wasted killed me lol 😆

@tukes_

2 жыл бұрын

😂

$714 a month, $67 insurance through navy federal.

@ifrhoads94

2 жыл бұрын

67 for insurance? is that a full cover?

$0 down, 2.39% at 72 months is $895 a month and $85/mo in insurance is what I'm looking at.

@ricardomarin487

2 жыл бұрын

can you afford it?

@Dalessandroftw

2 жыл бұрын

@@ricardomarin487 Yeah, been saving for a decade for a nicer car.

@Dalessandroftw

2 жыл бұрын

@@ricardomarin487 Thanks dude! I'm really looking forward to it. Should be getting delivered around August.

@whyguitarguy1

2 жыл бұрын

@@Dalessandroftw Freakin Niiiiccee. Glad for you man. Definitely deserve it with all that saving!

@al151

2 жыл бұрын

Including sales tax and registration fees? Add another 4 to 5 grand depending on where you live!

Wait 741 is teir 1 credit ? The fuck I'm going to get me a gt500

Bought my 2020 Supra brand new. 1.9%apr zero down. 500 a month. 840.00 every 6 months for insurance which includes 4 cars and my mortgage insurance on a brand new house. 17 Tacoma. 21 Honda CR-V, and a 2003 Honda Civic. I live in Washington state. I bank with USAA also my insurance. Lease is not good. I also have a 826 credit score. Retired military. I used to lease my 21 4Runner trd pro it’s a waste of money to lease. Lease has so many rules. Your not even supposed to be modding that car lol

Bro that Supra is so beautiful bro

I was thinking about getting the 2022 GR Supra A91-CF with $40k down and end up paying for the price of a corolla lol 😂 but the only thing holding me back is I am 5’10 and I hear the car is small but that guy is 6’1 so maybe I will give it a go if I can fine one new now days sad part tho I will bet getting rid of my 2020 WRX sti last of the the boxer Engine 😥

@AgeofEon

2 жыл бұрын

I'm 6'0" and fit in one just fine. If you're all leg then getting in and out might be a little awkward but otherwise you're fine.

Please youngins dont make yourself too car poor im 25 btw so im no geezer but i think a gen finance rule of thumb is if you dont have 40% of the vehicle in cash tis too expensive, 20% down and another 20% just so you're not spending all your savings. Also leases which don't build any equity and still have super high payments seem like a fleece. also you can build sick cars for 30k and under ive had a mini,335,m3, and a now a TT last 3 were are all real quick. tis the end of my bnoring ted talk sick supras though really love them and they are fast af whhen tuned and still real quick factory

@jml9550

2 жыл бұрын

These young cats won’t listen bruh, it is whole YOLO and look rich mentality.

@jinmo390

Жыл бұрын

@@jml9550 but no hate.

I pay 750 financed with 125 a month full coverage

@mrblackbond

2 жыл бұрын

What we your out there door price ?

I got my 2022 for $61K, 11 miles on the odometer. Around $67K out the door with tax and everything. Worth every $, love this thing.

@rudrapatel1112

2 жыл бұрын

Did you get the cf edition ?

@soapa4279

2 жыл бұрын

@@rudrapatel1112 It's a 3.0 Premium with the driver asst, PPF, CF mirror caps which came out to $58,815. And there was about a $2K dealer mark up. I tried talking them down to MSRP and they did not budge an inch because it was the only one available here in Nor Cal at that time

@TheeKiddJordann

2 жыл бұрын

@@rudrapatel1112 cf edition is around $80k

@kojpim271

2 жыл бұрын

@@TheeKiddJordann god damn!! I have one around my area that sold for 66k CF edition

@soapa4279

2 жыл бұрын

@@nekoacc2529 True, I actually wanted the Base 3.0, but they didn't make a lot of them or they didn't ship a lot.

I got the 2022 BMW 230i for 47k after taxes. I put 25k down and pay under 400 a mo for 60 mo at 1.9. Im not having those 600 a mo payments lol. Id rather not take vacations two years in order to have a bigger down.

@samuelreid603

2 жыл бұрын

ummmm you didn't want the m240i tho?

@tresjolieme81

2 жыл бұрын

@@samuelreid603 yea i did the math after i ordered the 230i, i would have paid only a 100 more or so. its ok because of the gas prices. I'm also a f so I dont have the desire to get something stronger maybe.

@samuelreid603

2 жыл бұрын

@@tresjolieme81 when you getting yours?

@jml9550

2 жыл бұрын

230i? Wow. I would at least go for a m240i.

@samuelreid603

2 жыл бұрын

@@jml9550 i got mine....and that thing is crazy nice....😎👍🏾😎

Where these the out the door prices? Including tax, dealer fees etc.?

How come there isn’t anymore MK5 whenever I search for some for sale they all show GR🤦🏾

@tukes_

2 жыл бұрын

It is a gr lol

2023 Supra 3.0 premium $84,000 (In PR we pay insane taxes and everything is more expensive), no down payment, credit score 780 with 5.74% interest rate (the lowest at the time) through USAA bank, monthly payments of 1,232.🙄

No the white dude said “Dominican barbers” lol he really knows the wave!

More vlogs like this

2022 on Guam is $67k for a GR.

Your SUPRA cool..😀

Is like Hey girl ,I have a nice car but I’m broke wanna hang out?

You should have wait for the new 2022 BMW 240i AWD better looking and performance

@GoBrand0n

2 жыл бұрын

@@tukes_ it's not the OG Supra . still a great car 🚗

I’m paying $0 😂 $65 on insurance I just turned 30

I’m only getting 18$ an hour and when I had my Wrx payments of 345 I felt like I was always broke but then again my insurance was like 380$ lmao. It’s now 214$ because it’s paid off and I lowered a lot of shit but still. I might save up another 10k and throw it down with my Wrx if it don’t blow up before then 😂

@_Zoctane

2 жыл бұрын

Than stop driving it likes it’s a Z or anything above… I want a Supra too, but just don’t know with the prices they’re at now. I’ll take a used 1

@lucian7182

2 жыл бұрын

I had a 2020 Wrx that I traded in I was paying 450 a month I got a 2021 sti limited now my payments are 750 a month and I am definitely always broke lol well I can afford gas 😂.

@_Zoctane

2 жыл бұрын

@@lucian7182 I feel ya bro! But at least your ride shows you work hard for it.

@lucian7182

2 жыл бұрын

TURBO for real though. I would love a Supra but I needed somewhere to put my two car seats lol.

@_Zoctane

2 жыл бұрын

@@lucian7182 well a 2017 mustang GT sounds nice for 25k with 460hp with 2 small back seats for the kiddos. What’s really drawing me to the Supra is the newer ones are 386hp stock now.

how tf bro down 20k on a 53k car and still pay 870??? what?!

I bought my 2021 Toyota Sienna platinum for 57k with zero down and I pay 665 a month lol

So I should clarify I have cerebral palsy so I can't drive a manual can you get Supras in Automatic?

@tukes_

Жыл бұрын

yes! the manuals havent released yet but will very soon in the next few months. Mine is automatic as of now all of them are

@itsyaboimat2393

Жыл бұрын

@@tukes_ okay awesome!! I didn't want to walk into my local dealership and make myself look like an idiot

Gonna drop 23k and finance it just hope it will be under $550 a month. I just don’t know how much it will be for final price because there pretty expensive online and at dealerships.

@saracarrasquilla6955

2 жыл бұрын

@@tukes_ yeah I hope just I keep seeing it at 57k and that’s not even tax registration and all that it’s crazy.

@henryherrera9111

2 жыл бұрын

Just wait, i know these supras will depreciate a good amount in a couple years.

@saracarrasquilla6955

2 жыл бұрын

@@henryherrera9111 I really hope so

@Mrpancake72

2 жыл бұрын

@@henryherrera9111 I know it doesn't work for everyone and I plan on keeping the car for a long time but I hate buying a used sports car. No telling if the person before you actually broke in the engine properly or just sent it as they left the dealer

@tresjolieme81

2 жыл бұрын

I put 25k down for my 2022 BMW 230i and I got mine under 400

Looking to get a Supra but not sure if I should get the 2.0 or 3.0

@Omnlet

2 жыл бұрын

3.0 if u tryna go zoom, 2,0 if u just tryna save money and just for look

@westcoastplinkin6559

Жыл бұрын

3.0 all the way

What winter tire is best?

@tukes_

2 жыл бұрын

honestly not sure lol i run the radials year round 😅

Yeah I pay about 35 bucks more for My TLX Type S so Insurance is nothing for me. But the payment is about the same giving that the Type S cost about 53500 plus the 5000 mark up comes out to 61000 its the same 700 to 800 payments about right

@marco30599

2 жыл бұрын

sheesh $61k I am actually looking to get a TLX Type-S but I am just trying to shop around for straight MSRP no mark-up on one plus the fact that there's never any in stock and there's always a wait list but I definitely don't wanna get F*** on the interest rate and dealer add-ons + mark ups

@sbfhawk4343

2 жыл бұрын

@@marco30599 Yeah the Mark up is 5000 straight up. There are only 2000 of these made so keep that in mind. The Type S will probably hold it value well above average just like my Porsche GTS there about the same in pricing and value per performance etc. Just letting you know that 5000 sounds terrible but the Type R was 10000 over pricing and that was where I had to say no especially not for a hatchback. This is a sedan the F rocks and has all the luxury you can want plus the looks. Not to mention how many people look at this car man . I mean I get 2 to 3 people twisting there heads to look at it. Seriously.

@marco30599

2 жыл бұрын

@@sbfhawk4343 Porsche GTS? sheesh thats sweet!! Yeah Type-R markups are just criminally high, but Yeah I love the Type-S i mean the test drive sold me alone and even then I got looks and one person even tried to race me on the test drive lol. Definitely gonna get me one my buddy recommended I go to one dealer in OH who wasn't charging markups but haven't confirmed but im not opposed to buying out-of-state and driving back in a new Type-S. my target spec is Tiger Eye Pearl with Black Interior for the "loud look", if not Modern Steel with Red Interior for nice "lowkey sleek look"

@sbfhawk4343

2 жыл бұрын

@@marco30599 i have the Tiger eye pearl dude get ready cus all sorts of people are going to be looking 🔥 👌 I can say that its about as p@@ssy wagon as it gets 😆 🤣 😂

@marco30599

2 жыл бұрын

@@sbfhawk4343 Im ready man!!! gon have the baddest P$%$$y wagon from Acura on the east coast lmaoo

Nice bmw’s guys!

Watching this video confirms young people make some of the dumbest financial decisions out there. No wonder the average car payment is over $700/month now.

My supra are 72k. 59k with 6500 markup and end up with 72k crazy down 20k and monthly 973. 60 month

@dongning3057

2 жыл бұрын

@@tukes_ market are crazy rn. But my last car I bought it 26k after one year drive and it still sold 26k so I’m fine with the markup

@khysor1832

2 жыл бұрын

F

Fuck that blue supra looks gooooood!

I understand I may have a lot of ignorance in the car financial world but that’s why I’m asking this question. Hypothetically, let’s say I trade in my Lexus rc350 f-sport for like $28k for (let’s round it up) a $50k supra. And have a decent down payment of roughly 5k. At a 800+ credit score I feel like that should set it up for a relatively cheap 48 month finance right? I live alone and just pay for rent, food and school and don’t have any desire to buy anything extra like going out. I mean, on paper that sounds doable right? I’m mainly looking for anything that I could be missing/forgetting. Payment calculators say roughly $380-400 a month. For a guy who values having a fun car as my main entertainment I feel like that’s not bad. Opinions aside, factually does that make sense?

@tukes_

Жыл бұрын

sounds good on paper but theres always other factors involved like debt to income ratio, credit history (How long you've had accounts open), employment history and so on but seems like in your case debt to income ratio seems like it would be the biggest thing they may look at if all else is good. Im not a finance manager though lol so based on your question I think it makes sense =)

@BMJMediaLLC

Жыл бұрын

@@tukes_ I appreciate the help in clarifying! Do you think if I walked into a dealership and straight up told them I’m not ready to buy yet but want to make sure this makes sense for when I am. If they’d try to help out of feel like I’m wasting their time

@BMJMediaLLC

Жыл бұрын

I’d just hate to get my hopes up, save, then be shot down when I’m ready to pull the trigger haha

@tukes_

Жыл бұрын

@@BMJMediaLLC I would avoid doing that because most dealers are going to want to see if they can get you into a deal when you're there and then run your credit and put a bunch of inquiries on your credit. If your credit history is good and youve had a car loan on your credit with your score then the only thing would be your debt to income ratio. Just add up your monthly expenses that go ON YOUR CREDIT not phone bill, rent, etc. and then divide that by your gross income and as long as thats lower than lets say 35% than you could potentially qualify for sure if adding in that 50k loan payment doesn't bring that above that percent

@BMJMediaLLC

Жыл бұрын

@@tukes_ you’ve been a ton of help thank you, exactly what I was looking for because I didn’t know that was even a factor. Thanks again!

If y’all want a sticker price have them order the car

lol, talked about payment , but not how long the payments are for

Why would you modify a leased car? Makes no sense. And my Supra costs me 50K out the door. I pay $99 a month for insurance through Progressive and my monthly payments are $468 with 1.99% financing after I put down 17K. I also got an extended warranty with my car.

@MrEricSteib

2 жыл бұрын

@@tukes_ But when you return a leased car in the end, they expect it to Not be modified and in the end, you wind up losing money. I hope you can replace it with all of the original parts and that wrap doesn't damage the paint, because they can also charge you for damages to repair the paint when the wrap is removed.

I'm sorry but most of you bought wayyy too much car. If you're buying a 50k+ car and only putting down less than 5k then you need to reconsider your financial situation, (unless everyone got some crazy 0% apr for 60 months but it was just that one guy. just my take.

at least Hector did one thing right with the great deals🤣

One dealer wanted me to pay 2k a month for a 2020 supra

I got a 2014 WRX Hatchback. I pay $72 a month insurance 🙄🤣. Also 35 and married. Plays a huge role.

@jml9550

2 жыл бұрын

Time to step up from the WRX bro if you are 35 and married. Lexus IS350 F sport or a IS500.

@xtrynottoblinkx

2 жыл бұрын

@@jml9550 why? I don’t have kids nor will I ever, and the WRX is a great car.

@jml9550

2 жыл бұрын

@@xtrynottoblinkx no doubt. The 14 is better than the current gen WRX IMO. But still a 14. If no kids, yeah Supra for sure or a BMW M4?

@xtrynottoblinkx

2 жыл бұрын

@@jml9550 new Supra is a BMW. If I was gonna go BMW it would be an e36

I used to pay 600 with 20% interest for 5 years worst financial decision ever, and the car was 2013😭

@bryanschannel4212

2 жыл бұрын

Nigga 💀💀

@whyguitarguy1

2 жыл бұрын

Daaammnn was your credit like a 210? Lol

@leepialong

2 жыл бұрын

He bought the car with a credit card. 💳 💲💲💲

That last guys math doesn't work out.

@jinmo390

Жыл бұрын

lol

I gave 20k down and pay 620.00 a month 👉🏼💪🏼🔥

In all seriousness though, this bugs the shit out of me. How tf do they not know that they were paying that much? Lol

i don’t get why people lease cars, what’s the point?

@tukes_

2 жыл бұрын

When the supra first came out I didnt know what direction they were going to go with the car and if it was reliable yet. It was the first year they made it so i didnt want to get stuck with it for 5 years if there were issues or if they released a manual or different motor

How are all you guys getting ripped

@tukes_

2 жыл бұрын

Lol I technically didn’t bring that I have a business loan so the rates are a little higher but I’m sure I could still be paying less. I should’ve went to hector 😂

I can’t wait for Toyota to release the MANUAL option for the Supra

@tonycowham801

2 жыл бұрын

2023

@gcf4914

2 жыл бұрын

They already have a queue and I know the special edition is sold out.

Thought you couldn’t modify a lease tho???

@gilgamesh4995

2 жыл бұрын

You can’t only thing I know you can do is widow tint and even then that’s a stretch