Manufacturer 84 at 0%

ON D BIT said:

That dealers who finance all their showroom cars would want to sell?
Or that manufacturers won’t let dealer inventories just sit.
We have seen this in 09 and 01. Deals will get better.

Is it?

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People's ways of thinking for debt vs not debt. and how to get into debt on 0% and rationalization in general to spend money they don't have etc lol.

I couldn't give two shits about what the manufactures are doing.

why pay cash which i can for something if you are willing to give it to me at no cost adder? I say drive a new vehicle and put money in the stock market why not. Some people just dont like "owing" people money. All the rich folks I know (and corporations) will always work with someone else's money if you let them. Net 60 net 120 terms on any an all purchases etc. Cash is king keep it and let the other guy hold while they make 12-15 percent in other investments.

98 Saleen Cobra said:

People's ways of thinking for debt vs not debt. and how to get into debt on 0% and rationalization in general to spend money they don't have etc lol.

I couldn't give two shits about what the manufactures are doing.

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Only people looking to buy are. Thats the difference.

No different than buying a house. Puts you in debt.

Listen up you ****s that don’t want to contribute any useful information, and only want to lecture people for their buying habits/preferences; go post elsewhere.
Let’s keep this thread open for those interested in the title of the thread, 0% financing through manufactures.
I don’t care about those of you that are cash buyers or think 84 is too long, nobody asked for your financial two cents, and the irony is it’s not even worth that.


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ON D BIT said:

He pays cash for everything including his business expenses which they just opened a new $40 million office building.

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I know, I listen regularly.

Smm7PT said:

Listen up you ****s that don’t want to contribute any useful information, and only want to lecture people for their buying habits/preferences; go post elsewhere.
Let’s keep this thread open for those interested in the title of the thread, 0% financing through manufactures.
I don’t care about those of you that are cash buyers or think 84 is too long, nobody asked for your financial two cents, and the irony is it’s not even worth that.


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One question I've never really been able to piece together or tie the specifics down to is when new is "actually" worth it.

Round numbers....4% interest on a 30k loan for 60 months is about 3k. (Talking used)...so I guess the simple answer is is 5k on a car that costs 5k less than new worth it to you (2k savings) or is that 2k worth the original owner sticker.

So you really have to know what you're looking for specifically to know if you're actually getting a good deal. I feel like a lot of people get caught up in the "it's such a good deal hype" for a new car, they may over look used.

Interested in hearing peoples thoughts. This thread is a great idea given current events.

me32 said:

Only people looking to buy are. Thats the difference.

No different than buying a house. Puts you in debt.

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You can't be serious man. NO different than buying a house? One depreciates at a rate that is insane. Actually arguably has the worst depreciation of anything you'll ever buy lol. And you want to go into debt on it. To be upside down on it the moment you drive it off the lot? That's piss poor financing imo. Now if you're buying it to actually keep the car until the wheels fall off ok, I can see that and justify it in my head. But 99.9 of people aren't going to do that lol.

99% of people understand a vehicle is not a wise investment $$$-wise.

Who cares?

The thread isnt about how to turn $40,000 into $400,000. We all know 99.9% of vehicles out there is NOT the formula to multiply your money.

The thread is about which manufacturers want to pay you to buy their cars when they otherwise wouldnt have 2 months ago.

It's amazing to me how many self-described Dave Ramsey's we have on this forum.

98 Saleen Cobra said:

You can't be serious man. NO different than buying a house? One depreciates at a rate that is insane. Actually arguably has the worst depreciation of anything you'll ever buy lol. And you want to go into debt on it. To be upside down on it the moment you drive it off the lot? That's piss poor financing imo. Now if you're buying it to actually keep the car until the wheels fall off ok, I can see that and justify it in my head. But 99.9 of people aren't going to do that lol.

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Both physically depreciate. Houses tends to gain value in the long haul, but in bad markets you can loose your ass. Take 2005 for example. High of the maket by 2008 millions were out of a house.

Now a car is no appreciating asset. We all know this. But debt is debt no matter how you look at it. Time to buy is all dependent on an individual financial situation.

If you have cash on hand to buy a vehicle right out. But you are offered 0% with the same discount as cash deal. Then keeping your money and taking the loan is a much smarter financial decision. You can 't make money when you spent it. But you can reinvest that money and make money while your making payments on an interest free loan.

98 Saleen Cobra said:

People's ways of thinking for debt vs not debt. and how to get into debt on 0% and rationalization in general to spend money they don't have etc lol.

I couldn't give two shits about what the manufactures are doing.

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I get what you're saying, but for people who were already planning these purchases, and who arent impacted by furloughing and shelter in place orders its a prime time to buy.

LSwat said:

One question I've never really been able to piece together or tie the specifics down to is when new is "actually" worth it.

Round numbers....4% interest on a 30k loan for 60 months is about 3k. (Talking used)...so I guess the simple answer is is 5k on a car that costs 5k less than new worth it to you (2k savings) or is that 2k worth the original owner sticker.

So you really have to know what you're looking for specifically to know if you're actually getting a good deal. I feel like a lot of people get caught up in the "it's such a good deal hype" for a new car, they may over look used.

Interested in hearing peoples thoughts. This thread is a great idea given current events.

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I consider the truck I buy next (likely F350 DRW) to be my forever truck. Buy it, drive it as the family Dad vehicle and keep driving until I cant fix it anymore. While used can provide a great deal and value, given the current climate and ever increasingly great rebates, dealer price slashes and insane rates, a used truck with miles already on it versus a new truck for a few grand more... going new all the way.

We should get a few more incentives added on Wednesday.

I wish these dealerships a lot of luck. I contacted two different dealerships about a Raptor they have in stock and both times the dealer principle responded. There are must have been a massive lay off.

ON D BIT said:

We should get a few more incentives added on Wednesday.

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Hopefully because dealers still arent ready to sell. Half of them seem not be able to make a deal. Or aren't in the office to actually see there inventory lol.

VRYALT3R3D said:

I wish these dealerships a lot of luck. I contacted two different dealerships about a Raptor they have in stock and both times the dealer principle responded. There are must have been a massive lay off.

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Its amazing there not ready to sell.

me32 said:

Hopefully because dealers still arent ready to sell. Half of them seem not be able to make a deal. Or aren't in the office to actually see there inventory lol.

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Arround here, pickups are sold like a commodity almost, because competition is so fierce. The really good deals won't come until the manufacturers put some serious cheese on the table.

me32 said:

Hopefully because dealers still arent ready to sell. Half of them seem not be able to make a deal. Or aren't in the office to actually see there inventory lol.

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Ford has made a serious mistake in my mind. They priced the 150 too high. Specially since they have a new v8 in the 250.

Why would anyone spend $55k-60k on a 150 xlt or lariat? Now the 7.3 250 xlt can be had for $50k and the lariat $60k. Why buy the 150?

most dealers have 30-50+ 150 inventory and less than 10 250/350

Weather Man said:

Arround here, pickups are sold like a commodity almost, because competition is so fierce. The really good deals won't come until the manufacturers put some serious cheese on the table.

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I guess us looking will just keep waiting then.

ON D BIT said:

Ford has made a serious mistake in my mind. They priced the 150 too high. Specially since they have a new v8 in the 250.

Why would anyone spend $55k-60k on a 150 xlt or lariat? Now the 7.3 250 xlt can be had for $50k and the lariat $60k. Why buy the 150?

most dealers have 30-50+ 150 inventory and less than 10 250/350

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I agree, i would skip the F150 now that the F250 has the 7.3.

Im disappointed that Lincoln hasn't matched ford incentives. Theres alot of 2019s sitting on lots most are a year or more old as of the build date sitting on lots.

me32 said:

I agree, i would skip the F150 now that the F250 has the 7.3.

Im disappointed that Lincoln hasn't matched ford incentives. Theres alot of 2019s sitting on lots most are a year or more old as of the build date sitting on lots.

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Wow Lincoln 19’s? They will need rebates and 0% to move them.


The only way I buy an 150 is if I find $50k+ one for $40k and 0-84. If not 250 is what I seek.