rmrfhomeoops
Senior member
Are you saying she got two 06 Civic EX for 19,500 combined? Did she have any trade-ins?
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*Update- Bought The Car* Leasing a 2007 Civic.. this sound good?
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Are you saying she got two 06 Civic EX for 19,500 combined? Did she have any trade-ins?
chusteczka
Diamond Member
The new 2007 Hyundai Elantra is styled directly after the Honda Civic and I expect it to be cheaper.
BillyBatson
Diamond Member
ALRIGHT i ended up purchasing the car and edited OP with basic details
BillyBatson
Diamond Member
ROFL wtf!? haha now i am confused, which side do you stand on hahaha
VirginiaDonkey
Golden Member
20K for a civic?
Jesus, I must have been living under a rock for a long time
Jesus, I must have been living under a rock for a long time
XZeroII
Lifer
Holy crap! Did you just walk in and bend over or what? You realize that you will pay over $25,000 for that car? And that doesn't include maintinence or repairs? Sheesh. A car is one of the worst investments you can make and you just sunk $25,000 into one. And a civic no less! Civics are designed to be cheap and you just paid top dollar for one!
After 5 years, you'll think back and wonder why you had to spend $25,000 on that thing. *sigh*. Sorry if I'm making you feel bad, but it's my oppinion. Congrats and I hope you enjoy.
After 5 years, you'll think back and wonder why you had to spend $25,000 on that thing. *sigh*. Sorry if I'm making you feel bad, but it's my oppinion. Congrats and I hope you enjoy.
BillyBatson
Diamond Member
d00d you must have been liivng under a rock like the guy above you said. they have gone up a lot in price even a DX civic with no options will cost you $17ish if not more out the door after taxes. the days of $15k ex civics are gone. just like i said before about the altima it use to be a civic! but it has taken the place of the maxima/camry/accord, and the maxima is even higher. i remember my neighbor paid $21k for a full out loaded 96' maxima, now they are $33k+ !
I hope you realized that they've reamed you in the butt with interest. You're paying 1/4 of your car's price in interest. My motto for car buying is "If you can't afford to pay straight cash, don't buy them". Why you would get a loan for depreciating asset is beyond me, not to mention the obscene interest you're paying.
BillyBatson
Diamond Member
based on your comment i think you are a fool and your opinion is worthless to me. first off an interest rate of 6.45 is very good from a dealer and i have 5 days to find a better rate from say a credit union and let's face it especially here in the LA area (not sure if it is different anywhere else) you will not find anything lower, even if someone offered me 6% that .45% is not enough to go through the hassle of going through the credit union and changing everything.
also how many of the people out there with a car made withint he last 3 years outright own their car or paid for it outright? very few is any! if someone can afford to pay $22k down on a civic they can afford to finance or lease a much much better car. Interest is how life works buddy. Credit cards, car buying, borrowing money (house loan anyone?), aany other semi major purchase (compueters, laptops, furniture, etc). Do you own or plan to own a house? Did you/will you pay outright for it? if not then under your own definition up there you wouldn't be too intelligent either. And don't argue with me that you stated that it is your motto for "car buying" because it doesn't what you finance you are going pay more than it is worth at the time of purchase. (yes i am aware a house CAN go up in value)
sure i could save $22 in the next 4 years and go in and buy a 2011 civic out right but i am going suffer with a crap car until then? why?
chusteczka
Diamond Member
Purchasing a vehicle is one of the worst experiences a person can go through. I think you did well by listening to people here with advise to purchase rather than lease. Unfortunately, I fear the total price is too high. Although this final price does include the taxes and other fees so it is more realistic. There are people in this thread who state they can and have received better deals but a few of them have employment discounts and others know how to negotiate.
I recently saw a Honda Civic EX with an MSRP of $18,500 but do not remember the options enough to enable a comparison with yours. I thought that was too expensive and instead purchased a Chevy Cobalt LS with manual transmission for $12,500 with taxes, title and extended warranty that brought the final price up to $14,500. This car has no extra options to it except for air conditioning.
Do you belong to a credit union by any chance? Maybe your school has one or a relative works for a company that can allow you to open an account. Maybe a local credit union you drive past has relaxed rules that would allow you to become a member. Credit unions provide car loans for less than banks. My rate on a 5 year loan for the full $14,500 is at 5.0% from my credit union. It may be beneficial to see if you can refinance and reduce the interest rate on your loan. Although the fee for doing so might offset any potential benefit from obtaining the lower interest rate.
Congratulations on your purchase! The Honda Civic is an excellent vehicle that will serve you well for a long time if you take care of it. Here are a few things you can do to prolong the life of the car:
Allow the car engine to warm up to at least 120F before revving the engine or driving it. This allows the internal engine components to warm and expand together in a uniform manner. This uniform thermal expansion allows for decreased wear than would otherwise occur if the internal components were subjected to the high temperatures and pressures required to drive the vehicle while the internal components are still relatively cold.
Accelerate slowly for at least the first 500 miles to allow the engine to further get used to operation and the increased load of moving a several hundred pound object. It is best to keep the tachometer between 1700 - 2400 RPM's. It is acceptable to drive slowly, do not let other drivers push you at this time since they will not be paying your repair bills later.
It is best not to drive on a highway for at least the first 500 miles to eliminate the necessity to accelerate hard to merge with traffic and keep up with traffic.
Do not change the oil until the point is reached that the owner's manual states. Many people change the oil after the first 500 miles but the dealership puts special additives into the original oil fillup to reduce the wear on the new engine. Additionally, the oil filter will catch any metal filings that may result from driving the new engine.
I prefer to put new bath towels underneath the floor mats and on the seats to reduce wear on the carpet and seat material. This also makes it easy to remove dirt on the floor by shaking out the towel and to clean any possible spills on the seats by replacing the soiled towel.
Following these tips will easily allow your new car to last for the next 10 - 15 years without any engine or transmission problems.
Enjoy your car! Your purchased a good one. 🙂
I recently saw a Honda Civic EX with an MSRP of $18,500 but do not remember the options enough to enable a comparison with yours. I thought that was too expensive and instead purchased a Chevy Cobalt LS with manual transmission for $12,500 with taxes, title and extended warranty that brought the final price up to $14,500. This car has no extra options to it except for air conditioning.
Do you belong to a credit union by any chance? Maybe your school has one or a relative works for a company that can allow you to open an account. Maybe a local credit union you drive past has relaxed rules that would allow you to become a member. Credit unions provide car loans for less than banks. My rate on a 5 year loan for the full $14,500 is at 5.0% from my credit union. It may be beneficial to see if you can refinance and reduce the interest rate on your loan. Although the fee for doing so might offset any potential benefit from obtaining the lower interest rate.
Congratulations on your purchase! The Honda Civic is an excellent vehicle that will serve you well for a long time if you take care of it. Here are a few things you can do to prolong the life of the car:
Allow the car engine to warm up to at least 120F before revving the engine or driving it. This allows the internal engine components to warm and expand together in a uniform manner. This uniform thermal expansion allows for decreased wear than would otherwise occur if the internal components were subjected to the high temperatures and pressures required to drive the vehicle while the internal components are still relatively cold.
Accelerate slowly for at least the first 500 miles to allow the engine to further get used to operation and the increased load of moving a several hundred pound object. It is best to keep the tachometer between 1700 - 2400 RPM's. It is acceptable to drive slowly, do not let other drivers push you at this time since they will not be paying your repair bills later.
It is best not to drive on a highway for at least the first 500 miles to eliminate the necessity to accelerate hard to merge with traffic and keep up with traffic.
Do not change the oil until the point is reached that the owner's manual states. Many people change the oil after the first 500 miles but the dealership puts special additives into the original oil fillup to reduce the wear on the new engine. Additionally, the oil filter will catch any metal filings that may result from driving the new engine.
I prefer to put new bath towels underneath the floor mats and on the seats to reduce wear on the carpet and seat material. This also makes it easy to remove dirt on the floor by shaking out the towel and to clean any possible spills on the seats by replacing the soiled towel.
Following these tips will easily allow your new car to last for the next 10 - 15 years without any engine or transmission problems.
Enjoy your car! Your purchased a good one. 🙂
BillyBatson
Diamond Member
exactly, if i knew it was a good deal to begin with i would have posted it under "hot deal, bragg and moan" but no i needed other ppls opinions. i read every response and responded to certain posts. in the end this thread helped me change the direction i went in but let's face it not every opinion given was a good one, and from the beginning i stated this was the car i wanted.
i LOVE the car i just do not like 1 thing about it. as for the payments it is something i can live with despite being $100 more monthly over the lease price. to all those that actually helped whether it was advice i took or not i thank you greatly. this wasn't a "which should i get a canon or sony digicam" it is a major purchase i appreciate your help SO much.
Well, it's good that you're enjoying the car, since that's all that matters to you. I'm bit more conservative financially. I hope you plan on paying off the car ASAP and that the contract doesn't have early-payoff penalty. Faster you pay it off, the less reaming you get from interest.
BTW, how much is your total monthly payment? Loan + Insurance? Gas is negligible and it really isn't much difference even on long run.
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