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YACT: What would you choose?**updated**

Scouzer

Scouzer

Lifer
$310/mo for 60mo @ 1.9% - 2005 Honda Civic
$280/mo for 72mo @ 4.4% - 2005 Mazda 3
$270/mo for 60mo @ 3.3% - 2005 Toyota Echo
$131/mo for 60mo @ 5.4% - 2004 Chevrolet Aveo (resale values can be a good thing!)
$189/mo for 60mo @ 6ish% - 2003 Ford Focus

Priorities:

Gas mileage
Reliability
Dealer treatment
Comfort

The Aveo is so damn tempting...$7000!!! That's black book value for one in killer condition. Insane!

UPDATED: bottom post
 
For what you mentioned, the Civic is probably the best choice. If you want something a little more fun, the 3 would be a good choice.
 
Do you need that long of a loan? If you need to stretch it out to a 5-6 year loan just to afford a car, you can't really afford the car to begin with IMO.

Out of those choices and your priorities, I'd go with the Civic.
 
Originally posted by: Bullhonkie
Do you need that long of a loan? If you need to stretch it out to a 5-6 year loan just to afford a car, you can't really afford the car to begin with IMO.

Out of those choices and your priorities, I'd go with the Civic.
Click to expand...

Yes the loan needs to be that long. The problem is my dad NEEDS a new car NOW.

So we're financing any way we look at it. New car means yes we need a term that long. Used means we could get it down to 36 months, but financing a used car is high interest and...I'm hesitant on it.

My dad told me he didn't want to pay over $250 a month to begin with...
 
Originally posted by: Scouzer
Originally posted by: Bullhonkie
Do you need that long of a loan? If you need to stretch it out to a 5-6 year loan just to afford a car, you can't really afford the car to begin with IMO.

Out of those choices and your priorities, I'd go with the Civic.
Click to expand...

Yes the loan needs to be that long. The problem is my dad NEEDS a new car NOW.

So we're financing any way we look at it. New car means yes we need a term that long. Used means we could get it down to 36 months, but financing a used car is high interest and...I'm hesitant on it.

My dad told me he didn't want to pay over $250 a month to begin with...
Click to expand...

Why not just buy a 1989 civic for $500 until you have some money?
makes a whole lot more sense to me. debt is for suckers and the govn't.
 
Originally posted by: Colt45
Originally posted by: Scouzer
Originally posted by: Bullhonkie
Do you need that long of a loan? If you need to stretch it out to a 5-6 year loan just to afford a car, you can't really afford the car to begin with IMO.

Out of those choices and your priorities, I'd go with the Civic.
Click to expand...

Yes the loan needs to be that long. The problem is my dad NEEDS a new car NOW.

So we're financing any way we look at it. New car means yes we need a term that long. Used means we could get it down to 36 months, but financing a used car is high interest and...I'm hesitant on it.

My dad told me he didn't want to pay over $250 a month to begin with...
Click to expand...

Why not just buy a 1989 civic for $500 until you have some money?
makes a whole lot more sense to me. debt is for suckers and the govn't.
Click to expand...

if you knew my dad, he is not the person to ever have cash. however, he makes a lot of money. he just needs people to take it from him before he blows it on dumb crap.
 
Originally posted by: Scouzer
Originally posted by: Colt45
Originally posted by: Scouzer
Originally posted by: Bullhonkie
Do you need that long of a loan? If you need to stretch it out to a 5-6 year loan just to afford a car, you can't really afford the car to begin with IMO.

Out of those choices and your priorities, I'd go with the Civic.
Click to expand...

Yes the loan needs to be that long. The problem is my dad NEEDS a new car NOW.

So we're financing any way we look at it. New car means yes we need a term that long. Used means we could get it down to 36 months, but financing a used car is high interest and...I'm hesitant on it.

My dad told me he didn't want to pay over $250 a month to begin with...
Click to expand...

Why not just buy a 1989 civic for $500 until you have some money?
makes a whole lot more sense to me. debt is for suckers and the govn't.
Click to expand...

if you knew my dad, he is not the person to ever have cash. however, he makes a lot of money. he just needs people to take it from him before he blows it on dumb crap.
Click to expand...

ah, now i understand 😉

what do you drive now anyways? (you, not your dad.. just curious)

we're not too far off.. im in saskatchewan
 
Ah, cool.

I drive an '88 audi 5000 turbo quattro.. AWD with a turbocharged I5.
olympic edition.. for '88 olympics in calgary


a tempo that made 285k? wow! 😉
 
You can't deny the Civic is a really good car in terms of reliability and resale. That said however, the Civic is very cookie-cutter and boring. The Mazda 3 is the best of those IMHO.
 
4.4% over 6 years is going to cost you a lot of dollars in interest because it's high and because the term is so long.

5-6% over 5 years is also pretty bad.



 
I think the two good ones are civic and 3, but;

310 X 60 = 18600

280 x 72 = 20160

You pay out 1560 more for the 3 all together, assuming same down payment.

For your first two criteria, the civic pretty much takes it anyways. It gets better gas mileage for sure, the 3 gets worse mileage.
 
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