Thread 518909446

Do Americans really pay this much PER month for a CAR?

>>518909446 (OP)
I own my car free and clear but then again I'm not your average dumbass goy

>>518909446 (OP)
no you got force memed

Zero down, 96 months 13% APR!
$89,000 vehicle.

The retards do lmao

>>518909446 (OP)
Yes some do, generally bigger cars cost more. They do make sense in America though since we have more disposable income.

>>518909446 (OP)
Im 58 and I have never bought a care from a dealership.

>>518909446 (OP)
Retards always want to flex their shitty cars

>>518909446 (OP)
My car lease is $261 per month

>>518909446 (OP)
I just got a new vehicle less then 4 weeks ago. 2022 Toyota 4Runner TRD Off Road Premium with 50,000 miles. Was $43,000. My monthly is $750. Credit Score is 750. Will be throwing a grand every month extra at it to pay off quicker. 5.3% APR.

>>518909446 (OP)
Yes, yes they do. Americans care about 2 things: their car and their dog. Nothing else matters

>>518909574
median wage is 40k a year......
75% of used car loans are underwater

you do not have more disposable income.

>>518909446 (OP)
Dealership employees definitely do. That's after they've had 3 or 4 cars that they financed, traded in after a year and then upgraded to an even bigger car.

I guess it's a professional hazard, they just spend all day listening to the sales spiel.

Yes, I have a retard coworker that did zero down on a RAM TRX.
He just had a stroke a few days ago, I can see why because he also has a mortgage and 2 kids with another on the way. I don't think $45/hr is enough.

>>518909543
Lol, same, I paid my car off and didn't buy something stupidly unnecessary.

>>518909446 (OP)
People with exceptional vanity will buy a $60,000 car on a $60,000 a year salary which is retarded. I get that car prices are high right now, but high should be $600 a month, not twice that.

>>518909446 (OP)
American society is built upon easy and fast debt. It's insane how easily you can get into debt in the US, and it's by design. I don't think most Europeans realize just how easy it is, and vice-versa.

>>518909446 (OP)
The average consoomer is a retard who can't do basic math, so yes.

>>518909716
Spoken like a true renter...

>>518909718
Believe what you will.

>>518909694
Is this suggesting they will pay $300K for an $80K truck?

bro i drive a 1000 dollar toyota. its minty when you get really squinty.

>>518909446 (OP)
I-is that just car payment or are they factoring in insurance?

Still fucking high just checking

>>518909697
My loan is $220/month for 48 months. 2.9% APR. It made more sense to borrow the money than lose out on gains by closing positions.

>>518909999
checked. half nigger ogre says all you need to know about why a 2000 dodge neon base model is costing this hoe 350 dollars a month lol.

I paid 7k for a car. Yearly insurance is line 500 quid.

>>518910026
can niggers into math?

>>518909446 (OP)
are cars cheaper in Europe or something

>>518909446 (OP)
Just remember when you see some of these ridiculous payments; you can live in your car, but you can't drive your apartment.

>>518910166
Smaller cheaper cars and cheaper insurance.

>>518909543
this

>>518909574
The myth of disposable income:
The Setup: The Frugal Champion

>Annual Salary: $40,000
>Monthly Gross Pay: $3,333
>Monthly Net Pay (Est.): ~$2,650 (After approx. 20% for taxes, Social Security, etc. This is optimistic in many states.)
>Fixed Expenses (Your List):
>Car Insurance: $150
>Food (At home only): $300
>Remaining for Rent/Utilities/Everything Else: $2,650 - $150 - $300 = $2,200

Now, let's plug in the real-world costs.

Housing & Utilities

>Rent (National Average 1-bed apartment): ~$1,500/month (And that's often for a place you don't want to live in).
>Utilities Bundle (Electric, Water, Gas, Garbage): ~$250/month (This can be much higher with AC/Heat).
>Internet & Bottom-Tier Cell Phone: ~$100/month (Non-negotiable for modern life and work).

Let's subtract these from our remaining $2,200:
$2,200 - $1,500 - $250 - $100 = $350

The "Other" Non-Negotiable Expenses

You have a paid-off car. Great. But it's not free.
>Car Maintenance/Registration/Repairs (Averaged monthly): $100 (This is a lowball estimate. One brake job blows this for months).
>Health Insurance (if not fully covered by employer): $150/month (This is a very low estimate for a decent plan).
>Gasoline (Commuting to that $40k job): $150/month (A modest commute).

Let's subtract these:
$350 - $100 - $150 - $150 = -$50

You are now fifty dollars in the hole every month, before anything else happens.

>>518909694
>$31 a month
Actually an amazing deal

>>518909446 (OP)
I drive a 98 Jeep Cherokee I bought for $1800 5 years ago. I’ve replaced the alternator and power steering pump. Both required popping the hood and reaching in to unscrew 3 bolts. Faggots who can’t fix cars or faggots who buy new cars that require tons of plastic shielding to be removed first are retarded.

>>518909446 (OP)
Cars cost like $50k new, I'm not surprised. I literally could not fathom paying more than $10k-$15k but then again I don't tow or off road or race. Would I love to have a big fucking jeep? Yeah, but I literally can't see myself spending that much unless I'm sitting on cash, and even then, I'd rather out it n my kids 529 or my 401k or go on a vacation.
My buddy is a loan officer at a bank and says people who drive pic related are usually worth close to, or over, 7 figs. Nice middle aged guy comes in to do banking with them, deposit cash, etc. drives a fucking 20 year old mercury. Has like $4m in assets with their bank.

>>518910319
I want to get an older Cherokee myself. Those were quality vehicles till they got rid of it and introduced the world to the dreaded Liberty...

>>518910216
I live in a nice house in a nice area, walking distance to just about everything. Still have a car tho.

>>518910274
Thanks chat gpt

>>518910216
>you can't drive your apartment.
I can work from my apartment and order food/groceries/stuff online and have it delivered to my apt.

>>518909446 (OP)
Transexuals are to be shunned and ignored.

>>518910379
>Would I love to have a big fucking jeep? Yeah, but

But why? Jeeps are like the shittiest cars on the road. Jeeps will pretend they can drive it anywhere, but apperently even paved roads are too much. I see jeeps broken down more often than any other brand and it isn't even close. Anyone that buys one of these fucking money pits because they have main character syndrome gets what they deserve.

>>518909988
No, that's some other future nigger who will have to pay $300K for an $80K truck.

>>518909574
>disposable debt

These people are like the chickens laying eggs in battery cages. They work to pay for a car so they can get to work.

In an economic downturn, these people are a month away from the soup line. The guy is especially fucked. He has kissed his wife when there was another mans sperm still in it.

>>518910026
this has to be satire

>>518910438
You got caught lying.

>>518910026
>goyscore 325

mines low but holy shit

>>518909652
I love it mate, they always drive a german pile of shit and thats great. Gonna look real nice when i dent it with my 15yo fucked up saab that cost me £600 lol the saab is made of cast iron so your BMW or audi is fucked mate.

What the fuck my car payment was 310 a month for 10 years. Shit's been paid off for almost 3 years now.

What the fuck happened?

>>518909446 (OP)
My car was $600 a month 20218 KIA
My Truck was $800 a month 2019 GMC
Both paid off
Get to work

I just buy all my cars used from randoms on Craigslist or Facebook. Takes a bit more time to find something decent, but if you're not a complete retard when it comes to cars you can find something good quick enough and spend a fifth of what it costs to buy a new car. And it's so cheap you can pay it in full right then and there.

>>518909999
checked and brutal

$500 1998 ford escort wagon
Free 2000 7.3 f350
$1000 2001 dodge 1500

My fleet lol

>>518909698
>43K for a ragged out vehicle with 50K miles on it.
The horror

>>518910026
No way nigger paying $619 every month for the next 8 years for a car can't even be worth $619 total. What is really going on here?

>>518911132
They'll repo it when he fails to pay, then sell it to another nigger.

>>518910611
Lying?

Dealership employees are special cases because they are litterally hazed into getting expensive new cars

>>518910662
How the fuck can you get yours low? Just pay the minimum on any debt and you automatically get 730+

Lol they tried that with me so I started riding a bike to work

>>518909446 (OP)
She has a $70k loan, he has a $75k. Probably a big SUV and a 1/4 ton pickup.
I feel like you don't know how much modern cars cost.

>>518910026
It's a great deal, he will pay once or twice, drive it for half to a year and then sell it for crack to get the money back or just crash it.
Why people even assume he will pay it off? He's a nigger with 325 credit score.

>>518909446 (OP)
I guess. I saved up and bought mine with cash. I pay 0 a month, just gas and oil as needed.

>>518909894
I've been slapped with a loan just because they fucking could in the Army. They just GIVE them out here. Want school? Permanent debt for life! Sign here please.

>>518909446 (OP)
Usually people vain people.
My little turbo mazda 3 runs me about 360 a month.

>>518909446 (OP)
When I had a payment it was only $200 a month and now it's just mine so idk how these retards give all their money away.

>>518910056
Kia?

>>518910189
>Volkswagen
This thing's already in the scrapyard.

>>518910309
Not sure if retarded...

>>518909885
Like food (in the case of the bitch on the left) or doodles (see faggot on right)

>>518910026
>>518910662
>>518911299
It'd have to be a whole bunch of shit, maybe outright proven fraud. Even having a repo or two on your report will only get you down to the high 400s, so getting to 325 (only 25 points above the lowest possible score) would take some real work. Hell, even an active bankruptcy doesn't put you that low.

>>518911601
Subaru Crosstrek. I bought it for my fiancee. Decent enough for one of those mini SUVs.

>>518909446 (OP)
Zero. We paid cash for a 20 year old truck to replace the previous old ride.

>>518909446 (OP)
I don't pay that much.
>use the power of math to set a 5 year budget for a vehicle
>find vehicle
>agree on price
>borrow money from my 401K
>pay myself back with interest
>payment taken out before taxes
>can pay off early if want
It really depends on how much I'm comfy paying a month, last time I did it i paid around $1k a month
>been paid off for years and have no desire to get rid of it

My family is doing fine, I recommend living within your means, building your savings and slowly increasing your costs as you scale your income and savings.

Pro tip, life is actually unlivable with crappy jobs.

>>518911361
Do note that the quoted rates are for "well-qualified" buyers. If your credit sucks you could get double that rate.

>>518910026

You forgot the part of the math where he defaults after two payments and he gets six more months of use before repo catches up through couch surfing at different addresses

>>518909543
Based, I bought a Lincoln Continental a decade ago for almost nothing and it's been great. Looking at these new vehicles and I cant help think that I could just keep that money invested instead.

>>518909446 (OP)
I bought my car with cash.
I have no formal education or certifications, life is just easy when you aren’t retarded.

>>518910379
>Cars cost like $50k new
Same here, and this sucks for anyone who needs to do work with their vehicle, for example towing. Even 4x4s now come with tiny 1.2, 1.4l engines you have to rev the bollocks off. Useless for towing. The options now are either buy an 80k € vehicle new or buy a 20 year old vehicle.

>>518912132
New vehicles are terrible. Filled to the brim with big brother tech under guise of “safety features” that actually make driving less safe

>>518911888
I just posted it to show a Chevy truck is now $100,000+ with tip. Even a 4 cylinder 2wd work truck is going to be $800 a month.

I drive an older s class fully paid in 1 payment, just needs maintenance and waxing like every other car and im sure it's cooler than one of those niggermobile

I pay like 400 a month for my Honda for the next 4 years til its paid off, but I also put like 10k down initially.

>>518909698
>bragging about his sub 800 credit score
somebody tell him

>>518910728
there is no way it's made of cast iron lol

>>518912574
yea whats up with being proud you can a debt slave? i prefer to owe nothing. I understand debt as a means to buy a house and re sell it quickly, but not as a life sentence

>>518912589
Nah he coats his car in oil and throws it in the oven at 400 degrees for 45 min every week.

>>518912454
Yeah if you want a new one. Most serious blue collar guys buy used, that's all they can afford.

>>518909446 (OP)
uh congratulations on all your great... car payments?

>>518909446 (OP)
I pay 500$ cad a month for a 2023 suv and it'll be paid off in 2 years what are these retards doing

>>518909446 (OP)
Pretty insane when you can probably get a car a year old with 10k miles on it for half that.

>>518912732
Is they are smart at all they might buy used at the beginning till they have a decent down payment then buy new and use the tax system to their advantage.

>>518909446 (OP)
>talking to an illegal about cars n shit
>he mentioned his car payments are $4K a month
No wonder the banks love them so much!

>>518909894
Do people in your country go into debt for cars or other things they don’t really need?

>>518910274
This is completely fucking retarded napkin math from an eternal basement dweller.

>paying taxes
Cringe slave
>10 dollars a day to feed yourself at home
You can eat out for cheaper
>150 insurance
I have full coverage on a 22 for less than that. Liability on a shitbox would be less.
>using average rent
They can get a below average apartment
>utilities
Significantly higher than what I pay in the sweltering heat of summer
>internet AND bottom tier cellphone
This is also too high for both, and you don’t need both if you are unable to save
>health insurance
Try 0$. Thanks, Obama; I have better insurance than people who get it from work.
>gasoline
I spend less than 40 a month. This number could be anything from 20-500+ depending on your vehicle and commute. Sell your truck and buy an economy vehicle, then move to a cheaper apartment near your work

Basically you are fucking retarded and never lived on your own. Speaking of living on your own, roommates will further slash your rent payments.

>>518909446 (OP)
I used to pay $790/month for a 1BR apartment in 2018

>>518913144
>You can eat out for cheaper
I didn't make it past this. You can barely get one meal for $10 from any eating-out source these days, much less get a full day's calories.

So the only question is, boomer or ragebait?

>>518909446 (OP)
i saw a nigger paying 600 for life in exchange of a mclaren

>>518909446 (OP)
Wtf are thy vying to get a 1500/month payment?
Or are they stuck with super high interest rates becser they don’t pay their bills?

>>518909446 (OP)
this is car payment only, you forget that you need to pay 300 bucks a month to insure this beast so banks get their money if you crash it.

>>518913098
Most euros don't need cars.

>>518911132
It’s basically a rental. Nobody involved expects the nigger to pay it back, they just come and collect the car and sell it again

>>518909446 (OP)
2011 tacoma
145k miles
0/ month

Still in good shape but I am sure I need brakes

>>518912574
>caring about your good goy points

>>518913264
No, you are just fucking stupid goy who eats McDonald’s “value” meals.
As a singular example, little Caesar’s you can get 2500 calories for 6-8 bucks.

But that’s besides the point, you can eat at home for less than 2 bucks a day if you need to save money.

>>518909698
I have a 2025 Tacoma OR premium and I pay $192.50/bi weekly with 2.99% and my credit scores the same.
I just traded in my tunda though and have been with Goyota for like 12 years.

>>518909446 (OP)
My fucking bills don't even cost that much, what the fuck? What kind of job do you need to where the number "$1,386" is just a number that you're casually comfortable losing from your check every month? You can get a whole used car in my area for that price.

>>518909446 (OP)
Yes they do and are really that stupid. But it comes from this fucked up insecure need to flaunt debt based illusions of wealth over strangers who don't even give a shit in the first place. Pre-2001 that sort of thing was looked down on very much.

This is literally an ad trying to normalize debt. It’s old, discussed as such. But I am going to assume you knew this already you fucking cunt.

>>518912854
They have really really bad credit.

So why don't they just buy a cheap beater car if they are poor? Or if they REALLY need a big truck (they don't) just lease second or third hand and pay 500$ a month. Some quick math is showing me that 1500$ a month is 36% of the income of a person that earns 50k dollars annualy. LIKE HOW FUCKING RETARDED CAN YOU BE.

Here is a car that would cost you 108$ a month on a 4 year lease, assuming you don't just buy it for 5000$. Thats what a poor person should actually be paying for. Its not a nice car, but I would rather have that and not be in crippling debt, than have a nice car and be in crippling debt. Like nigger if you pay a third of your income for a car, then a third i not more for rent/mortgage, wtf is left for you to enjoy life with?

https://store.interlease.bg/la-8733-Toyota_Yaris_13_Petrol_LPG__4_1_mesta.html

>>518909446 (OP)
No. The jews car dealers REALLY want to normalize this though. So they force this meme constantly

Imagine indulging in usury.
I bought cars for my wife and I last year, both 2021 models, in cash. Nigger, just run a shitbox for a couple of years and save up to buy outright.

>>518909446 (OP)
i pay cash for everything, I bought 2 100K + cars last year in CASH, dont be poor.

>>518913910
Ok, give me money then

>>518909446 (OP)
I pay $200 a month in insurance because illegal shitskins and niggers treat the roads like the demolition derby

>>518910379
Panther platform is the Chad of all cars, too bad Ford was retarded and listened to King Nigger Obama

>>518909446 (OP)
I have 52k put aside and almost bought a new civic for 24k this year. I decided to keep my Nissan. Thing is I bought my sentra in 2013 and my monthly payment was 256 a month. I cant imagine paying 1k plus a month. Crazy.

>>518909446 (OP)
i never understand this kind of payment system in america, don't you have like 3k 10 yo corollas

>>518909446 (OP)
fools and their money
My payment was 386, but I paid 500.
Always check "apply to principal" on the webform.

>>518913264
You're right on that but if single you can eat breakfast lunch and dinner at McDonald's for like 20 bucks if you do it right. Also, he's right about literally everything else.

just buy used shitboxes outright, the insurance is cheap too

>>518909446 (OP)
I work at an entry level distribution job and I have co-workers driving new-ish trucks while making $52K a year

>>518909543
Fpbp.

Remember, if you're too poor for a car then you should just buy a bike instead. Picrel is THE cheapest way to get around.

>>518913264
didn't make it past the first one, you have to pay taxes unless you get paid under the table (like a fucking illegal alien, lmao).

>>518914609
Are you shitpoasting? I spend lavishly on food and my weekly grocery bill is like $95 per week. $20 per day is $140 per week, and that's living off the value menu.

>>518910309
Is this that famous "humour" of yours, Tommy

>>518910189
72k VW and it doesn’t even have the W motor

>>518909999
>got rollin in a whip!
>single white female with goblin
>spare tire on the car
>it's dallas

The picture worth a thousand racist words.

>>518909446 (OP)
If they are on a 36 month payment plan, maybe. I just purchased my last car outright. Used but really low mileage for the age.

>>518909446 (OP)
I buy cars 2-3years old 30k miles max for 50%+ of MSRP. I propose 1% financing or cash if they can't offer that low, which they typically can if cash is the alternative.

I own my car but even when I was still paying for it I only paid $300/month. What kind of cars are these people buying? Do they just have NO down payment?

>>518909446 (OP)
I drive a 20 year old pickup. I'm not poor, just not retarded

>>518914855
Depends on where you live. You can't daily a bike all year in most of Canada and a lot of the US. And insurance is brutal.

>>518909894
Or you can stay out of debt by choice. Bought a used car with low mileage for cash, owe lest than $50k on my home. Always buy an economy car, watch your utilities, don’t buy crap you don’t need.

Paid cash for the car, already got $5k built up for an emergency fund and earn less than $40hr.

>>518915903
>Insurance
lol, lmao even. Do you think most motorcyclists even have their endorsement?

>>518916139
>Bragging about a $5k "emergency fund." You're poor and you don't even know it.

>>518909446 (OP)
ae they the same person? are they like before and after transisting?

>>518909446 (OP)
Both of those are more than my mortgage. What is wrong with them?

>>518909543
GOYED

>>518910514
Underrated

Tick Tock!!!!

>>518909446 (OP)
No. This is a car dealership lying to make you think you should spend more.

>>518909571
Calgary mentioned!

I love how these poors get mad when they see a rich calgary Chad in their truck that costs more than the poors condo

>>518909446 (OP)

bought 2008 Cadillac from old lady pre-covid, $7500. changed fluids, belts, new tires. its front wheel drive so its great in snow. any car payment would annoy me..

My payment is $560 and my insurance is $230.

>>518909571
>$80k big lifted cousinfucker truck
>less ground clearance than a fucking crossover cuckmobile
LOL

>>518915655
> I propose 1% financing or cash if they can't offer that low, which they typically can if cash is the alternative.
Oh that’s a good idea. Cheers.

>>518909894
I have a 2018 camry paid off, a 2006 f150 paid off and a 2002 Chevy suburban paid off. I live in an all white area my wife and I are both college educated with "good jobs" and I still feel poor as fuck so I have no idea where these niggers are getting all this money for 700 car payments there is no car id rather have than 700 of discretionary income and I don't give a fuck I look retarded getting out of my shitty truck in a nice suit every day.

>>518909446 (OP)
I really don’t care about the $ value, but knowing these payments are probably spread out over 5-10 years, are more than 6% or are inclusive of 1-3 trade-in deficits is mind blowing

>>518909999
First time I noticed the Mexican flags. Also blessed digits this site is dead.

>>518916588
$5k is the start of an emergency fund, sadly. I track my expenses and because I work in a volatile sector, I have a 1 year emergency fund, which is at $84,000. It sits all in a money market.

>>518909698
Holy fuck lol 43k for a used 4runner. Not even a decent model year. I'm glad I'm not retarded. Just paid $1500 for a 4wd k1500 z71, the engine is in great shape and all I had to do was put in a new steering column.

>>518910502
You need the expensive jeeps not the compass retard. I would never buy one but they are excellent off road just gl with the electrical problems.

>>518909988
They'll pay about $36,000 to $72,000. Then they'll stop paying, it'll get repossessed, and then they'll "resell" it to another nigger under the same terms. Oh, and write off the roughly $230k "loss" off on their taxes.

>>518909446 (OP)
I am very rapidly losing faith in humanity. What the heck are you people doing to yourselves? Stop it. Please.

>>518909993
nice, I went for the luxury $3k buick

>>518909446 (OP)
imagine paying $1500 for some shitty muscle car or full size truck. All-in including insurance, gas, maintenance, registration what is that like around $2200-$2300 a month dedicated for your personal vehicle. Maybe im just a poorfag but this seems outrageous

>>518914424
americans are vain and gay nigger faggots. Can't be seen in old corolla so they go in debt to drive new audis. Can't wait for the nukes to drop here

>>518909446 (OP)
No, these are psyop tiktok posted by literal car salesmen trying to make people think it's normal
My car was 30k and my monthly payment is 380

When the commies decide to crash into you, they might kill you

>>518913776
Modern cars suffer from planned obsolescence. They're designed to last until the warranty period is up. They get people stuck in a cycle of buying new vehicles regularly. It was different 20 years ago when you had jap companies pumping out over engineered cars for cheap, which people would then sell 2nd hand for even cheaper.

The average cost of a new car is 50k and the average car loan term is 70 months add in some Jewish usury (average is 6.78% annually) you get slightly over 1k a month, also about 1/3 of the money you put in is going to interest

>>518918755
Sorry bad math but it's $886 a month based on averages and this is not factoring taxes or insurance

>>518909446 (OP)
I bought a used 2020 RX350 for $31k, single owner, 80k miles. I pay around $450 per month.

>>518917541
yea I see it as a win win. dealers get incentives for financing. I can easily make more than 1% on my principal especially when even text book inflation is 2-2.5%. they get a bonus, i technically save money.

>>518914855
I ride a motorcycle but its been getting super sketchy the past few years. A lot of foreigners have been given licenses in America and they dont understand traffic signs or know how to drive. Ive had a gun pulled on me like its fucking brazil or something because some dumb ass beaner thought my motorcycle vest was a bulletproof vest when its just an impact vest. Cars driving the wrong way, pajeets in semi trucks just fucking plowing into shit. Not to mention all the dumbfucks constantly on their phones not paying attention or the blind bastards who pull out in front of you despite you being clear as fucking day. Shits getting retarded.

Fucking retarded shit I ain't never paying $80k for a vehicle unless it's for work. Can't wrap my head around people taking second mortgages for vehicles now. How absolutely stupid do you need to be?

>>518919238
>RX350
Congrats on being asian parents

>>518917345
>confusing people getting mad with them seeing you as a retarded nigger
top kek

>>518919238
>Lexus suv
Ew. Tasteless

>>518909446 (OP)
1386 + 1516 is about what I paid 6 years ago for a car I am still driving today. Put a couple thousand into it to redo the front end (hired a mechanic to do it, bought the complete parts kit from Amazon for $300), nothing else of note besides tires, batteries, oil etc.

>>518919808
people are real fucking stupid out there and even greedier than they are stupid

>>518909894
I lived comfortably on $45k a year in a major coastal city because I'm allergic to being in debt and I have modest needs

>>518919238
Nice, the 2GR is so fucking smooth. I used to have a Camry V6 and it ran like butter

>>518909446 (OP)
Work requires me to drive a vehicle no more than 5 years old (“reliability” reasons). Pisses me off to no end. They reimburse me for it but like fuck. The amount they pay for this stupid truck could easily buy a restored W350 with a fresh Cummins. Save the company money and make me happy, but no. It has to be a stupid brand new truck.

>>518909446 (OP)
1386 + 1516 is about what I paid 6 years ago for a car I am still driving today. Put a couple thousand into it to redo the front end (hired a mechanic to do it, bought the complete parts kit from Amazon for $300), nothing else of note besides tires, batteries, oil etc.
But it requires some understanding of how cars work to do that in other words it's not available to a dumbass.

>>518909446 (OP)
Only the retards with shit credit that demand they have a new f150 every year
>Be me
>Buying my car cash
>Retard next to me wants the newest truck
>Shit credit
>Can barely afford the payments
>Dealer gives him a super high rate and payment because he knows he'll default
>Retard still wants the car
These people deserve to stay poor.

>>518917772
toyota fags have to pay a $40,000 tip as they are scared of popping the hood
and then it blows up anyway because toyota post-2010 is shit

>>518909446 (OP)
No. I bought a 93 Suburban for $2k cash. I would never, under any circumstances ever, get a (((loan))) for anything.

>>518913455
If you're financing a car you better fucking care. You only get to ignore it when you pay cash.

>>518909571
Won't it rust out in Calgary before the payments are done in 8 years?

>>518909894
The only people being in any amount of debt effects are retards that are too stupid to handle money properly. They deserve to be the goy cattle serfs kikes want them to be.

>>518909446 (OP)
$400 a month for the car note.
$400 a month for premium insurance.
$300 a month for gas
$200 a month for repairs
> Turning up the radio while your wife is trying to talk to you... Priceless.

>>518914424
>>518918159
Yes we have 3k corollas. Decent number to throw out too, 3k corollas were 2k or less just a few years ago.
Nobody really maintains cars well anymore though, so the older stuff you have to play catch up to keep them on the road but it's still way cheaper than new cars.

>>518918301
it's double that now, unless you went 72 months like a good goy. A beat up suv with 100k miles would cost me more than my (studio) rent + utils.

like this retard >>518919238

>>518920620
Nissanchads stay winning

>>518920910
>$400 a month for premium insurance.
Jesus, Kevin, stop fucking drinking and driving.

>>518920910
>$400 a month for premium insurance.
What the fuck? Do they blow you while you drive?

>>518909446 (OP)
I owned my last car but then it got stolen so I'm paying down my current car, which is much nicer

>>518909446 (OP)
Insane. Save for a year or two & buy it.

>>518910123
No, this is well known. It was not a serious question.

>>518909446 (OP)
$50k car at 4.25% is around $1k monthly for a 60 month note. A lease would be less. Adjust the price of what they drive or their credit worthiness as that will change the monthly payment. I bought a new car recently and it was $64K, for a little above average car.

>>518914223
Yup. 2002 Town Car here. Big, comfy, very reliable engine and transmission. It's fast enough away from a stop light to beat most traffic and doesn't attract the cops for ticketing.
But I'm an old man and don't need to attract chickies anymore.

>>518914855
Too dangerous for me. I've known people getting killed on bikes. I've known riders who survived, and they rode so paranoid it didn't seem like fun. One love tap from an actual car while you're riding, and ...

>2022 Mazda CX-5 for $26k
>$16,000 loan
technically a 5 year loan but currently paying an extra $100/month to principal for a total of about $420/month
>>518914424
You can drive pretty much whatever kind of shitbox you want.
I drove a 2007 Honda Civic coupe for 16 years (2009-2025). Took out a loan, had it paid off after 3 years.
It just isn't a practical dad car, hence the generic SUV (though of all the boring compact SUVs, the CX-5 was the nicest to drive)

>>518915584
I wanted a Phaeton and could have had a good deal on a used one, but I was afraid of maintenance cost. They were similar to a Bentley.

>>518915655
They can't borrow the money for 1%, how can they lend it to you for that without losing money on the financing?

>>518910309
You didn’t read the fine print bongbro. They are taking whatever they want straight out of your paycheck.

>>518920878
Rare supernatural gif found on /pol/ moment

>>518916139
Shame on you, not doing your part to support the consumer economy. Cheater.

>>518909446 (OP)
the morons do yeah

they don't understand APR

>>518913635
Are you satisfied w/ a Tacoma after having a Tundra?

never underestimate the stupidity of the average person

>>518918103
I’m not a poorfag (make 100k) and 2200/mo is beyond retarded. That’s mortgage money for a nice house or all in expenses on a starter home.

I bent over and gaped my ass to Acura because I am single mid twenties and wanted a 6 speed for the next 10 years and my payment was 400 a month (~600 all in)

I decided debt was gay after 8 months and just paid it off to save like 3 grand. Probably never buying new again unless used market is dogshit and 50k miles are 3k cheaper than new like it was when I bought in 2022.

>>518910502
I have a 1977 CJ 7. My Jeep CAN go anythefuckwhere! New Jeeps are shit. Only buy a CJ, TJ or YJ. Nothing with a J at the front.

>>518921917
No one besides manufacturers are doing 0-1% so we can just safely assume he is lying. Used always has worse rates

>>518914632
What I do. Also it's educational. After a while you learn something about cars. If it's always new / under warranty, you learn nothing but marketing talk.

I paid 10k€ 8 years ago for my car and I spend like 140€ a month for insurance and maintenance. It's not that powerful but it works.
What's wrong with Americans?

>>518909694
fake numbers

The average person is also a few pay cheques away from broke.

So of course they take out insane loans

>>518922428
You spend an alarming amount of time in your car in burgerland so it’s easier to rationalize needing creature comforts. Plus the product laddering has gotten extremely retarded to the point where a Honda civic is a 40k if you want the phone Bluetooth to not use a fucking usb cable.

And because everyone thinks they need a fucking tank due to incompetent DOT maintenance and illegals DUI on the road they can double that civic’s price for the suv because “look how much bigger it is” despite using the same fucking 1.5t 4banger

>>518909446 (OP)
Only the stupid and vain ones. I just bought a German VW with no rust for $400

>>518914223
>Early 30s
>household income ~180k maplebux
>Only debt is mortgage (not a cuckbox, live in country)
>Both wife and I have defined benefit pensions
>140k in investments
For me, it's a 25 year old Grand Marquis I paid 7000 cash for

>>518909446 (OP)
saved up, bought 50k miles 2020 4runner in 2023 for 34k. no payment. fuck off payments and debt jew. this truck will last to 200k miles

>>518909446 (OP)
From doing black car driving I've concluded there's no real reason to get a new car unless your vehicle is fucking toast and has 200k+ minimum miles on it but more realistically can still chew 350k like a champ so long as you maintain it

>>518909446 (OP)
My wife and I just got a new car it’s 545 a month and it made me want to gouge my eyes out

>>518909446 (OP)
ask your neighbor dumb fuck, did you forget what country you live in?

>>518909543
me too. look at us antisemites

>>518909446 (OP)
if u get a car payment u are a retard and deserve debt slavery

>>518910390
I had my 03 liberty for 20 years, loved that car. Only thing that ever went on her was power steering pump.

>>518924201
got lucky with that "american" pos

>>518909999
If a fat guy leans against that thing, the insurance company will total it out

>>518909446 (OP)
I paid $2000 for my car 5 years ago and only major repair I ever needed was $700 for a new radiator. Kikes seething.

What's it like having money bros?
I make 180k a year and I feel so poor, I live paycheque to paycheque. How do you niggers do it?

>>518924240
I have an 02 tj thats alive and kicking too. I dont mind jeeps. I had a 13 gc hemi that I sold to get a range rover and Holy fuck what a mistake that was. Better car but more hormonal than my mistress

>>518924240
They are pretty ok little SUVs.

>>518909446 (OP)
Why are Americans paying so much? I own a 24 Silverado HD high country diesel and only pay 900 Canadian per month. Do Americans not make a down payment? I thought us Canadians were Poor's?

Yep still getting around in my 92 nissan

>>518924855
Honestly? Inherited a house and have only a 2K property tax bill every year and about 400-500 in monthly bills. I make about 4K a month at my job, so I have absolute shit tons of left over money. Been putting it into Monero and gold.

>>518910379
I’m woth 2.7m
Got 1.1 liquid.
I drive a 2013 fl50 xlt 2wd with an over the cab ladder rack and 200k miles.
You don’t get rich spending money.

>>518910728
Based

>>518920816
>Won't it rust out in Calgary
Calgary is very very dry, but rust do happen.

>>518909446 (OP)
there's a fat boomer at my work that pays like 500 every 2 weeks for his stupid car and he's always asking me for loans, and i give it to him like a knobhead because I'm a queer and I think he's very handsome

>>518909446 (OP)

One of the last best sedans ever made was the Cadillac DTS specifically the 2008-2011 models

>>518909698
i bought a 2006 4runner v8 limited with 155k for 3500$ earlier this summer.

>>518909543
>I own my car free
Coz my daddy bought it for.me

>>518909573
If you do not gave new expensive car, you are poor. No one respects you, no one gives you high paid job.
You are nobody. A dirt the men to spit on.
You have big , new expensive car, you rule in God mode!

Buying a used car>paying exorbitant car note with high interest rate. Sorry, driving a 4 grand beater is better.

>>518909613
Coz you are poor!
Ahahahahhah

>>518909697
Another poor one.
Ahahahahhahahah

>>518909885
My wife and I earn $400K combined. We have 1 car which we financed for $33K new, at about $550 aonth over 60 months. We can buy it outright, but eating 4% interest isn't really competitive with even a CD now.

>>518909446 (OP)
I have over 3 million in the bank and I drive a 2009 Nissan I really think that poors deserve to be poor its their lot in life. I feel like I am getting ripped off at starbucks so only bought it once and it still urks me.

might just be me being a jew though lol

Most people with money don't care about spending money.
This is why i only do work for people with money, since they don't nickle and dime you over a couple hundred dollars.

>>518926840
High score is meaningless after a while. You gotta find the level of lifestyle that is meaningful to you, make enough to finance it, and then stop saving.

>>518913098
its not possible to get that kind of credit here willy nilly, if it was many npcs here would do the same thing and get into debt, its just an instant gratification financial trap for dumb plebs like casinos

>>518909446 (OP)
No. These vids are usually made by dealers and are designed to show you absurd payments so regular car payments seem reasonable or even cheap by comparison.

americans will spend half their paycheck on their car payment, then call you poor if you can't afford it, while simoultaneously looking at you square in the eye and telling you they're christian. they will filter every aspect of life through the lens of money, and tell you they are not materialistic.

shit any recs for a used car anons? thinking about buying a scion i saw on marketplace for 15 000 dollars

>>518909885
>People with exceptional vanity will buy a $60,000 car on a $60,000 a year salary which is retarded

Especially since half of that is enough money to completely refurbish an old car with all new everything, new engine/transmission new suspension new wire harness new interior new paint, everything.

>>518909894
You don’t understand, anon, just look at those replies…

In America if you can’t afford something ITS YOUR FAULT NOT THE JEWS!!!

>>518909571
>21%

Holy shit goys are retarded

>>518909999
kek i know exactly where that is and checked

>>518909446 (OP)
I have no idea.
I bought a used car for $300 and drove it for 5 years.
Then I bought a new car for $18k when the old one died.
Cars suck in general but hard to get around without one unless you live in a major city.

>>518927881
>I bought a used car for $300 and drove it for 5 years.
boomoid detected

>>518927881
in all seriousness tho, looking at buying a car with 100k miles thats decent and under 10k now, i feel as if older cars can squeeze out more miles than modern shitcans.

>>518928140
my 2010 toyota just recently started to show a bit of rusting. My parents 2023 nissan has just started to show signs of rusting lol

5 years ago I bought myself a 20 year old rust-free Opel with about 50k miles on it just over the German border. Together with the costs associated with driving it home and first service I paid about 4k euro which back then was pretty much 1:1 4k dollar. Hope that helps.
Btw still driving it.

If I could do it again I'd get a cheaper car, but I got a 2024 Subaru Legacy w Limited trim, about 8,000 miles on it, for $26.5k.
It was my first car purchase and I sought my dad for advice, and I think he ended up kind of living vicariously through me and encouraged me to get something more on the expensive side. And he was obsessed with all wheel drive.
I put down maybe $8k and felt buyers remorse relatively quickly, it's a $425 monthly payment for 5 years. The interest was pissing me off (my rate is around 6.7%) so I began aggressively paying it down. It's around 7 months since buying it at this point and I have the remaining principal down to 12.5k.
The silver lining is the experience got to me to look at my budgeting and start optimizing and saving better. I know where all my cash flow comes from and goes now.
The car is really comfortable to drive, fast acceleration from the perspective of a non-enthusiast, great shocks and quiet interior. I can start it remotely with the AC or heat blasting, which is kind of awesome in the Midwest. My biggest frustration with it besides the big screen dashboard is the speakers. It has the upgraded sound system but I'm just not a fan for some of the music I listen to. It's very easy for vocals to get muddy or even unintelligible, and it doesn't have good sound stage despite being a 12 speaker array. Stuff like bass-y jazz and pop sounds fine, it's definitely tuned for normies.

>>518926532
Actually for me it was granddaddy

>>518930116
Your dad sounds like a dick. Did he plan on having you live at home for another 5 years?

Still doesn’t seem like a bad deal on the base price. I guess that’s how they get you.

Do american goblins really don't have enough money saved to buy a car with cash up front?

>>518909446 (OP)
just room temp IQ mfs do this to get the new truck of the year just to be stuck in a 10 year loan 15% APR for the value depreciate by 80% in one year.

>mw the shit box 2009 mazda 6 bought for $3000 and still going strong at 210k miles.

Last year I was about to pay 20k for a used car that was 4 years old and had 60k miles, but I learned from my past mistakes to never use cash to purchase anything and instead buy BTC with it.

Ended up going to a dealer who gave me a 0.9% APR loan for a 40k car, and put my 20k into BTC. The 20k in BTC became worth 40k a few months later, but I'm not in any rush to pay off a 0.9% interest loan.

>>518932583
Only poor Mexicans with zero financial literacy pay for things in cash

They are force to pay for insurance. Insurance in the United States is completely out of control. Also there way to many laws when driving it's a fucking nightmare.

>>518913144
>>10 dollars a day to feed yourself at home
>You can eat out for cheaper
This has to be the must amerimutt comment ITT.
He meant "food", not "goyslop".

>>518933238
My point was his number was way too high for a “frugal warrior”. All of his numbers were way too high except car maintenance.

He cast it as frugal but came out with the base expenditures of your average NPC normie living well beyond their means.

>>518909446 (OP)
wtf is homie driving for 1516 a month, I can get a new lambo with that monthly payment

>>518933815
>He cast it as frugal but came out with the base expenditures of your average NPC normie living well beyond their means.
$300 a month for real food is pretty frugal for a normie.
How much is beef fro you right now? The kind you would use for a stew or a soup.

>>518910274
>1500 per month for rent when you make $3333 take home
split a room with a gf
now your rent is $750
now get 2 housemates
your rent is $450

>>518934034
>get a side gig in s scam call center
>get FREE FOOD daily >>518904492

>>518933942
I just recently stopped using filet mignon whenever i eat whole, non ground beef, because the tenderloins were getting too damn expesnive... Over $100 canadian for 1 kilo.

I know that sounds really pretentious "i had to start eating the second best cut of beef instead of the best"

But it used to be affordable. 10 years ago i had no problem making stir fry or teriyaki with a filet. Not anymore.... Atleast the hotdog is still the same price.

>>518910166
I dunno bro, all I know that car loans usually have between 0% - 4% interest rate

>>518909446 (OP)
You can get a high end car here for £500 a month.

>>518909716
they love bragging about having car payments for huge trucks to show off theyre responsible enough to have children, then drive around like theyre trust fund faggots that just choose not to have kids

>>518909999
that woman is heckin based

>>518913455
In australia literally no one knows or cares about their credit score.

>>518909446 (OP)
no, but of course when you interview obvious salesfags, of course you're going to get people who spend too much on having very little. those are all bimmer and merc loan numbers, high end 3 & 5 series, probably M3s or M5s, or upper E & S classes.

>>518932711
pre 2010 cars are cars

>>518909446 (OP)
The dumb ones do

>>518910274
lmao, where are you living that you're paying that much for your utilities outside of summer in the deep south? Also, who the fuck pays for garbage? That shit would get included in the rent price schema, you idiot. Way to out that you've only lived in private, gated communities your entire life.

$150/month in any small or mid-sized sedan is hilariously high. $100 monthly car maintenance is ridiculous; what the fuck are you doing, throwing rocks into the engine bay? If you can't get health insurance through work, you simply don't get any and cut down on goyslop. $300 a month for your food budget is high as well, as is your car insurance rate; it's only that high if you are a shitty driver or you have a car that costs a ton.

Your even plugged your shit into an AI and your calculations still suck. You didn't even use the national average wage in the US, you just picked whichever was the first amount to make your bullshit nonsense work. The national average salary in the US currently is mid-60,000 range. Sure is a lot easier to make it work when you've got an extra 10K-15K in the bank to work with, huh? Go be a fucking faggot elsewhere; reddit is a good place because they won't call you out.