(HOW BAD AM I GETTING F-CKED)

[beantownjim]

JACK I KNOW YOUR FORUM IS FULL OF USED CAR SALESMAN SO I KNOW I AM GOING TO THE RIGHT PLACE TO ANSWER THIS QUESTION.I AM LOOKING TO TRADE IN MY 2003 TOYOTA TUNDRA I PAYED 27,500 TONIGHT I WENT TO A CHEVY DEALER AND HE TOLD ME HE WOULD GIVE ME 20 GRAND BUT THE OFFER IS ONLY GOOD FOR TONIGHT,I TOLD THE LITTLE GARLIC SNAPPER I NEEDED A DAY TO RUN IT BY MY FINANCIAL ADVISER LITTLE DID I KNOW IT WOULD BE MADJACKS FORUM.BOYS HERE ARE THE NUMBERS THE DEAL LOOKS GOOD TO ME BUT WHAT THE F-CK DO I KNOW I NEED ADVICE.

I BOUGHT THE TUNDRA FOR 27,500 IT HAS 34 THOUSAND MILES RUNS AND LOOKS NICE.I PUT DOWN 9 THOUSAND AND FINANCED THE REST I STILL OWE 9,200 ON THE TUNDRA.MY MONTHLY PAYMENT IS 414 DOLLARS.O.K. NOW THE CHEVY DEALER TELLS ME I CAN GET A 2005 SILVERADO Z71 FOR 25,000 LOADED HE ALSO TOLD ME THAT MY MONTHLY PAYMENTS WILL GO FROM 414 TO 358 DOLLARS AND I WILL HAVE A BRAND NEW PICK UP TRUCK.TO BE HONEST WITH YOU I DIDNT LIKE THE SALESMAN BUT THE DEAL SEEMED PRETTY GOOD.CAN SOMEBODY IN THIS FORUM TELLME HOW I AM GOING TO GET SCREWED IN THE LONG RUN BY THIS CHEVY DEALER.HURRY UP FELLAS I THINK THE GARLIC SNAPPER IS GOING TO BE CALLING ME TOMORROW.I ALSO KNOW THIS DEALER HAS A LOT FULL OF TRUCKS AND NOBODY IS LOOKING AT THEM I WAS THE ONLY PERSON IN THE SHOWROOM AND I WAS SURROUNDED BY USED CAR SALESMAN MAN IT WAS SCARY,YOU TALK ABOUT A BUNCH OF VULTURES.

I NEED NUMBERS BOYS AND HOW WILL THIS DEALER TWIST THIS AROUND TO SCREW ME.MY LOVELY WIFE TOLD ME TO GET LOST SHE WOULDNT GO WITH ME BECAUSE SHE WAS WATCHING AMERICAN IDOL :help:

 

[gman2]

JACK I KNOW YOUR FORUM IS FULL OF USED CAR SALESMAN SO I KNOW I AM GOING TO THE RIGHT PLACE TO ANSWER THIS QUESTION

:mj07:

 

[freelancc]

I TOLD THE LITTLE GARLIC SNAPPER I NEEDED A DAY TO RUN IT BY MY FINANCIAL ADVISER :

:142lmao: :142lmao: :142lmao:

 

[Trossi3389]

+

= :scared :scared :scared

 

[SixFive]

you always get fcked when you finance a new car.

 

[countinguy]

Interest Rate?? should be zero percent

how many years the loan if they tell u more than 5 ur getting fukked.

read ur contract before u sigh it, the saleman won't stick it to u and hard as a finance guy will, he will accidently add thousands of extra shit on hoping u don't notice to jack the payment. I bought a truck at a dealership where they tried that chit made the idiot reprint the contract 5 times be4 i signed it, it brougt down my payment by 50 bucks a month and a whole year shorter on payments, they were trying to fuk me hard. By the way the dealership is in greenfield chevy dealer for all the indiana residents, stay away!!

GL ALTAR BOY!!

 

[william13]

kbb.com might help ... its kelly blue book on cars.. good luck,,

 

[vinnie]

BUT WHAT THE F-CK DO I KNOW

NOTHING :mj07:

 

[vinnie]

I WAS THE ONLY PERSON IN THE SHOWROOM AND I WAS SURROUNDED BY USED CAR SALESMAN MAN IT WAS SCARY,YOU TALK ABOUT A BUNCH OF VULTURES.
:

THEY CAN SMELL AN IDIOT A MILE AWAY. :mj07:

 

[kosar]

By the thread title, I thought we were going to be treated to another story about the gay Russians in the hot tub at his YMCA.

Good luck with your latest crisis, Jimmy.

 

[vinnie]

I CAN GET YOU A DEAL ON THIS BABY FAGBOYJIM :mj07:

 

[pd1]

classic vinny

 

[BADTODABONE]

BTJ....why are you dealing with a used car guy when you are looking at a NEW TRUCK? I think you need a broker to fill the void in your brain....you are thinking to much about Yuri, the snow has melted ....so has something else. You eat sushi in your Tundra? Slide a PIE out of the TOGO box?
Maybe a deduct on trade for the 'fish ' or pepperoni smell... Ask the boys at the Union Meeting about 'Made in the USA'. If ya drove a DATSUN in the 80's at a GM plant your doors might be welded shut when ya left work. "LIKE A ROCK.....

 

[beantownjim]

ITS 3.30 IN THE MORNING I CANT SLEEP ALL I CAN THINK ABOUT IS HOW MUCH DOUGH I AM GOINGTO LOSE ON THIS TRADE IN.THE SALESMAN MAKES IT SOUND LIKE A GREAT OFFER.BOYS PICTURE WHO I AM DEALING WITH REMEMBER THE MOVIE (BRONX TALE) WITH ROBERT DENIRO THIS SALESMAN LOOKS EXACTLY LIKE (MARIO) C'S GARLIC SNAPPING FRIEND WITH THE BIG MOUTH.I WANT THIS CHEVY Z71 BUT I DONT WANT TO WALK OUT OF THE DEALERSHIP WITH THESE GUYS LAUGHING THERE BALLS OFF :mj07: AND MAKING JOKES IN THE MENS ROOM HOW WE SUCKED IN THAT BIG DUMB IRISHMAN.I AM BRUTAL WITH NUMBERS WHEN IT COMES TO CARS.HERE ARE THE NUMBERS AGAIN FELLAS.

2003 TOYOTA TUNDRA
34,000 MILES NEEDS FRONT BRAKES AND TIRES
MONTHLY PAYMENTS $414
I OWE $9,000
DEALER OFFERS 20,000 TOWARDS NEW TRUCK
5 YEAR LOAN

2005 CHEVY SILVERADO
10 MILES
MONTHLY PAYMENTS 358
NEW LOAN I WILL OWE 14,000
THIS LOAN WILL BE FOR 3 OR 4 YEARS NOT 5

I GUESS WHAT I AM LOOKING FOR IS SOMEBODY TO TELL ME I AM NOT GETTING SCREWED WELL I KNOW IAM GOING TO GET SCREWED I JUST DONT WANT TO GET SCREWED TO BAD.

 

[THE KOD]

btj - just make sure you see this
guy and everything will be fine.

 

[beantownjim]

SCOTTY BOYCAN YOU EVER BE SERIOUS I AM MAKING A MAJOR MOVE HERE AND I NEED TO SAVE EVERY PENNY I CAN SO I CAN GAMBLE AGAIN.YOU SEEM LIKE A SMART ARSE SCOOTER HOW DO THE NUMBERS LOOK TO YOU.

WHERE THE F-CK IS ALL THE SERIOUS REPLIES I EXPECT MARIO WILL BE CALLING ME TODAY I HAVE TO BE PREPARED FOR AN ANSWER.IMIGHT JUST MAKE THE DEAL THEN SUCKER PUNCH THIS DUMB LOOKING GARLIC SNAPPER JUST FOR THINKING ABOUT RIPPING ME OFF.

JACK IF THERES ONETHING I HATE ITS USED CAR SALESMAN THEY ARE ALMOST AS BAD A SPORTSHANDICAPPERS IE.FLETCHER AND NICK DOUGLAS.I ALWAYS TOLD NICK HE SHOULD HAVE BEEN A USED CAR SALESMAN THEN I WOULD HAVE BOUGHT THE TRUCK FROM HIM

 

[beantownjim]

I WAS JUST THINKING WHATS THE DIFFERENCE BETWEEN STU FEINER THE SPORTS HANDICAPPER AND A USED CAR SALESMAN.STU FEINER IS ONE GUY WHO FITS BOTH ROLES.MAYBE I CAN CALL LENNY THE THIEF FROM CASCADE SPORTSBOOK HE IS A CAR SALESMAN AND ASK HIM IF HE KNOWS THE SALESMAN AND GET ME 660 DOLLARS HE STOLE OFF MY PURCHASE.

BEANTOWNJIM I CAN GET YOU INTO THAT NEW CHEVY (ABSOLUTLY FREE,ABSOLUTLY FREE)

WHAT THE F-CK AM I THE ONLY HONEST GUY LEFT IN THIS COUNTRY :iagree:

 

[in2fitness]

Check this site out Jimbo, they have a formula to figure out the true cost of the vehicle.

Car Buying Tips

 

[DOGS THAT BARK]

1st if anyone tells me offer is only good for day I know I'm being hustled.

My advice is your vehicle now is just barily broke in--why trade it?
Appears it will be paid off in a couple of years and still have only bout 60,000 miles at your current rate of driving and still in prime shape.Drive it 3 years after bout 100,000 mile total save the $414 payment and you'll have a trade in plus bout $15,000 to buy new one.

 

[TAZ]

How bad are you getting fvcked is a relative term.
Quick answer is if you are getting more in trade in value than your current truck is worth and you are lowering your interest rate, then it is a good deal.

Assuming that you are currently in a 60 month loan financing $18,500 ($27,500 sticker - $9,000 down) with a payment of $414 a month you are paying about 13%. (Note I did not assume that you meant a $36,500 sticker with $9,000 down on the original truck because the sum of the 60 payments is just short of $25,000 which would mean negative interest)

If Mario is going to let you finance $14,000 over 36 months and only pay $358 a month do it in a second. $14,000 at 0% is a payment of $389 a month, so you are GETTING interest, not paying on that deal. Most likely that $358 number is only good for a 48 month loan which translates into 11%.

Don't know about the Boston area, but 13% or 11% are too damn high to be paying for a new vehicle of any kind. In retrospect, looks like you have already been fvcked