Rep Power: 330

yeah, i mean if you want a car that is faster (if that is your main reason), you can look at some older cars, like integras and stuff. they get good mpg, are really reliable, and can be had for cheap now. crazy aftermarket and stuff too. the hard part is finding one that is still stock.

 
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no, i'm not worried about speed too much. eventhough the scion tc runs at 160HP which i like. but i'm looking for something bran-new and all stock and that is kinda sporty already so i don't really have to do anything much to it at first. i'm not getting the car cause i think it looks cool-however it DOES IMO look pretty damn sharp. i'm getting it for the specs and features it has in it. i like what i read and see. i'm not totally ready to get into a newer car right at this moment cause that will take some time. atlest another 4 months. by that time. i should have my civic paid off a bit more and have my balance a bit lower then. my rate now like i said is 7.50 for my civic. i'm paying off the loan from my bank. i don't know where you guys live but here in florida they have this bank called "SUNCOAST" schools, federal credit union, (bank) and it's a good bank. thats pretty much pointless to tell you guys, just thought i'd add that. but anyways!, so my rate right now for my civic is 7.50. will that same rate be switched from my civic onto my scion tc? with that kinda rate, would i be paying an arm and a leg? cause i'm not paying that much now on my civic. 225 isn't bad especially for me being a first time driver and first time car owner. my 02 civic ex is my very FIRST car ever owned. and after almost a year. i've decided that it's time to move on. i didn't want that year anyways. don't get me wrong, i love honda civics and i love my civic ex but i'm not CRAZY about it you know?. it's in great shape, i don't see any reason why toyota (scion) wouldn't give me good trade on it. i keep it in great health and shape.


THE SCION TC ALSO HAS A DOUBLE WISHBONE SUSPENSION TOO. WHICH I THOUGHT WAS REALLY COOL.

 
Rep Power: 330

you wont have the same rate, you have to apply for a new loan, meaning it could be lower, or even higher.

 
Rep Power: 0

i'm cool with the "lower" part. but why the hell would it be "higher"? what would be the cause of my rate being higher? maybe cause i didn't pay my payments on time on my civic?

 
Rep Power: 296

interest rates change with time

right now interest rates are higher than 2003.

i got my civic at 1.9% in 2003. right now i'm going to have to get 6.2 fixed at 60 month for my s2000 that i plan on getting next weekend.

since it looks like you haven't done any homework or your just really xxxx since you don't know anything about insurance, financing, and about cars in general, you should really stick with the civic until you start making more money and get smarter

dude, call your insurance company to get quotes

call your bank to see what your rates would be if you would get another new loan

 
Rep Power: 0

no need for the attempted putdowns. i'm not that bad at knowing this stuff. i'm just asking questions. like i said before. "it's not like i'ma get a new car anytime soon" that'll be a while from now. till then, i have PLENTY of time to "do my homework"






I hope things workout for me.

hey MANDANGALO, i ran my credit score for myself ealier with my girlfriend and i found out that my credit score is 654. and everything that comes up for me says, "open/paid for/never late" i thought that was cool!. is this a good thing for me to be able to buy a scion tc? isn't your credit score 700? you said it was around there. i'm happy to have seen what i've seen online earlier. what do you think? do you think i have a shot at getting ahold of a 2006 Scion Tc? and my trade in value for my civic is comming up as a trade in price of 10,000 roughly. maybe it'll workout for me afterall. my girlfriends credit score is comming up as 655. 1 point higher than mines. there was only 1 thing that i seen for my credit report that was something that had to do with a doctor bill from a long time ago when i went to the doctor for my asthma. i kept moving and they couldn't get to me to send me the bill for that visit to that doctor that day and it was in collection for a little bit but i ended up paying it off like 2 years ago. so that says it's been paid for and CLOSED. other than that, thats the ONLY thing that was in some kinda NEGATIVE report about my credit. everything else seems to be checking out pretty good. granted yes, i don't have HIGH as hell credit but i think with a credit score of 654, will be ok for me to get my new car. what do you think?

 
Rep Power: 330

yeah, you have a good chance of getting a good rate. and for your civic, try to get as much as you can for it, that'll keep your payments lower.

 
Rep Power: 379

Thats an average credit score. A higher down payment will "buy" you a lower %. Mine was about where yours is and 3K down "bought" me a 1.9% APR. They know you don't wanna give up so easy when you throw so much down.

 
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LOL! 3K!!!? no way will i put down that much!. yeah thats a really low rate but i'd be ok with a rate of like 3.50 or 4 or even 5 (at the most) but 1.9 i know i'm not going to get that low of a rate. i'm just looking for "easy enough" monthly payments. like 280 or 300. thats only like 30 to 70 dollars more than what i'm paying now on my civic a month. i'll probably throw down like 1200 to 1500 dollars when i go there. that SHOULD do some justice. the only 2 things i'm concerned with are 1. they give me GOOD for my trade (civic) and 2. they don't give me a HIGH monthly payment. which i don't think they will give me a high monthly payment. shouldn't go no higher than 330 dollars a month. a Scion Tc isn't worth no more than 300 to 330 a month. for that i'll go back to honda and try for an 06 civic Ex......shiet! but today at work, i went around and talked to alot of people about my sittuation and told them my credit score and they said that my credit score is good enough to do buisness with toyota for a scion tc. HECK!, some of the people i told about my credit score are like twice my age!!!. and even they said that either my credit score was equal to theirs or that my score was BETTER than theirs!!! i couldn't belive what i was hearing!. and these were mostly harley davidson techs. one of the techs owns a Scion XA. and his credit score he told me was 680 or 700. thats not too far from my credit score and i'm half their age. i would've thought that they would have better credit for their age. but i was surprised!. so that tech got approved for a scion XA with his credit score like that. he said i should be fine. especially with the type of bank i use. i use a federal credit union bank. thats the same back he uses too. he was surprised to hear that i even bank their too. cause it's supposed to be a bank that you can't get a membership for unless someone else in your family has a membership at first. so in a nutshell. most of the signs are pointing to YES for me. atleast for the MOST part. i'm a bit happier. i've got my fingers crossed.

i imagine that there aren't too many things in life that are better than the feeling of getting a new car for the first time.

 
Rep Power: 330

you have to remember, your trade equity adds to your down payment. so if you happen to owe 8800 for example at the time, and get 10200 for the car, in addition to your cash down, thats 2900 or so as a down payment.

as for "going back to honda", for the price of an ex, you don't really get much more than the tc, if anything at all. sure, its a good car, but the pricing is up there, kinda making the new si (at msrp) the good deal.

with an ex, you have a 1.8l SOHC as opposed to a 2.4 DOHC, longer gears, slower acceleration, a small sunroof, and not as much interior space volume. the only thing better is the MPG, if you compare specs to specs, and don't bring opinions (how it looks, etc) into the equation.

 
Rep Power: 0

my girlfriend keeps telling me to read this one thing called "confessions of a salesman" that she has. it tells you all about a salesmans-"game" and what to expect and how they work. it more or less teaches you HOW to be a salesman so you don't get had. i should probably keep a straight face and not really talk too much unless asked to. you can't show them that you're eager to buy. i don't really think that i'm the type of person to easily be talked into something. but i should read more about salesmen. they're like voltures always waiting to go in for the KILL!. i won't throw in opinions. it's cool how you see that the scion tc offers more than a civic does. thats cool!.
a scion tc is just more cooler and better.

 
Rep Power: 282

wait for the Civic SI sedan coming out next year. It is TIGHT!!! THere are pics in this month's issue of Modified Mag

 
Rep Power: 364

John, here's the thing... cars are bad investments. Do everything you can to pay less for your bad investment. Sure, there's not a huge difference in monthly payments of $250 vs $300 or $330, but that's $50 per month, $600 per year, and $3,000 over the course of five years. So in five years, you will have essentially wasted $3,000 which could've bought you a turbo kit, nice system, etc.

I'd never buy a car without a sizeable down payment.

 
Rep Power: 0

^ yeah large downpayment, or in full would be the way to go right now. If you havent been paying attention the Fed has been uping interest rates for a while now, and if you apply for a loan the interest rate is going to go up. You are really going to loose a lot of money loaning money with high interest rates on a car. If your current loan is a fixed rate, you should definately stick with it, because youll have a much better loan deal staying then changing. I would really just save up for mods, or for a better car latter in your life. Just hold off the new car fever for now, and that will probably work out better in the end for you. And one thing, sure the tc has good value, but if you like performance its pretty heavy for a compact car.

 
Rep Power: 261

Save your pennies and pay cash,or at least have half down.Cars are the worst investment you can have.I go through a new car every year and take a loss, but not as bad because you get a car considerbly less when you pay cash.Instaed of a bank go through Honda Financing.Should be a lower rate,especially near year end.

 
Rep Power: 291

Yea, try to put down at least half the value of the car.

I think you're making a big mistake by walking to a dealer and saying how much you can afford per month. Check out Consumer Reports for tips on buying cars.

Negociate a price first and then work out the financing. Don't buy a car you can't afford.

 
Rep Power: 0

yeah, i know not to talk about financing right away when you walk into a dealership. i'ma go in there and go straight to the "sales manager" cause the sales manager at my job-*HARLEY DAVIDSON* knows the sales manager at the toyota dealership thats right down the street from my harley job and thats the toyota dealership i'm going to try to get my car at. anyways. they're all friends in there and my sales manager there at harley and another #1 sales associate at harley also are going to team up and try to help me get my feet wet and into a great deal. cause the sales manager at toyota bought a harley where i work and they gave him a KILLER deal and now it's payback time. besides, like i said, they are all friends and my boys at harley are going to try to get me some kinda good deal. if you got salesmen against salesmen, than i've got all the "GOOD" chance i can have!. those are my soldiers!!!. atleast this way, i can't get F**ked over!. but ALL IN ALL, basically i'ma just go into toyota and see what they can shake for me and if nothing comes outa it (good)-well than, i'm outa there. no big deal. if no is no, than i'ma outa there!. simple as that. but when you got salesmen for friends. hahaha! you GOTTA be in good shape!

 
Rep Power: 330

i agree with this, its true, but these days anything under 3000 lbs is considered "light". the new civics weigh 28 lbs less than a tc, ex/si vs tc.

 
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no, i'm not thinking of weight issues here. i don't care for the weight. i'm not thinking about the performance too much. although i am keeping that in mind. i just like the way it feels to me that i'd get one. i feel like this car makes me happy when i think about it. so i want one. there's something about a scion tc that makes me feel like i wanna drive. PERIOD!.

 
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why don't you pay it off, and then when k20's are cheaper, drop one in and....... voila, you have a faster car!

 
Rep Power: 285

^^
He's said multiple times that he doesnt' care about a fast car, he just wants a new one...

Personally, i think you're making a mistake. I'm no financial expert, even a novice at that, but I just got this feeling that you're gonna have a hard time making payments. Maybe not w/i the first 6 months, but some point down the road. Make sure you can save money for emergenices man.

 
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ok, well maybe i forgot to kinda talk about my monthly income expenses. my girlfriend and i live together and make enough money. she makes pretty much 400 dollars a week and i make like 340 or 350 a week. together, her and i make about just shy of 3000 a month. right now we aren't having trouble paying for our cars. so with new cars we should be ok. everymonth her and i are able to spend about 7 to 8 hundred dollars every month on whatever misc stuff after we've paid for all our apt bills and rent and all. so if we were to throw in another 300 dollars in slightly higher payments total for both NEWER cars. we'll be ok...for the most part. not to mention that every month. my department always makes or reaches their monthly goal and we all get 100 dollars in CASH handed to us at the end of the month. that IS if we make goal. i've been with my job for 17 months now and i can say that every month that i've been working there in my department. we've made goal. now thats 1700 dollars i made more for myself in that period of time. thats pretty cool. what i'm saying to you is...."there's always a way"

 
Rep Power: 0

Ok here is the deal. This is what you need to get a new car. Sell your car privately (for a fast sell put just under Kelly blue book) There are some things that you will need like new floor mats, don’t bother trying to clean the ones you have, they’ll never get clean. Buy a set of fog lights from eBay. It will increase the resale value of your car about $300 while only spending $50. Also, clean the engine and the wheel wells as best as possible. This will pretty much insure a fast sell, with almost no negotiation on price. If you are going to trade in your car you’ll be lucky to break even. My step-dad worked for Acura and told me that dealerships love trade-in because they make so much money off of then. Most dealerships will try to give you half of Kelly blue book, so look out!
Now you’re ready to buy. First thing first, do your own math before you even walk in the door. Know the price you want to pay and the payments you want, and for how long. If you know you can pay 300 a month, tell the dealer 275 MAX. Don’t let the salesman know that you really want there car. Tell them that you are looking at others in its class. Let him think that he is selling you on the car you want. DON”T GET DOPPED INTO BUYING ALL THE EXTRAS!!!!!!!!!!!!! If you have any questions pm me.

 
Rep Power: 0

well i know not to go in there saying too much or acting like i "REALLY WANT THIS CAR". cause i can always go to mazda, nissan, or honda. or even VW. don't worry. i'm not going to act like i REALLY need the car. cause odds are that i might not even GET the car. and i know NOT to let them know that i COULD pay a 300 dollar a month payment. but instead i'll say "how about 275 or 280? or even lower. you never know if they'll be ok with letting you pay a lower payment eventhough you can ACTUALLY pay more. like i said before in one of my earlier posts. i work at harley davidson and the salesmen there will help me with getting good money for my car and getting the scion for me in GENERAL. i'm good. i'll be careful though. i'm STILL doing my homework. thanks for letting me know. hit me up, let me know some more inside tricks and tips. thanks

 
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or just act like youll just keep shopping around till you find a better deal. Not sure how that works works on new cars, but I bought my civic used under the KBB private property value out the door with a 60 day warenty! Thats right private property not retail. Although it did take me 4 dealerships before getting a killer deal. One thing is even if the salemen gives you a good deal there is only so far theyll let him go. Make sure you get your salesman to the point where his manager stops him

 
Rep Power: 0

what do you guys think of the 2005 civic Si?. those hatchbacks aren't that bad looking. and they offer pretty much the same thing as a scion tc does.

what are your HONEST opinions on the 2005 civic Si?.

do you guys think that i'd get good money for my 2002 civic Ex for a trade of a 2005 civic Si?

it's honda for honda. thats a more understandable trade.

sometimes i think of the 05 civic Si and wonder if they'd give me good for my car and get me the Si for a good price and good monthly payments.