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Old 09-03-2009, 10:21 AM   #1
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finance calculator

hey guys, does anyone know of a finance calculator i could use to determine how much a month i would pay on my future 1LT camaro? ive been trying to factor in how much i would make a month working minimum wage (jobless at the moment), and im trying to find a down payment number that would equate to me paying around $200 a month...any help would be greatly appreciated
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Old 09-03-2009, 10:58 AM   #2
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go to bankrate.com, they have one for home and auto. You need to make assumptions of a down payment and interest rates
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Old 09-03-2009, 10:59 AM   #3
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probably around 17K down. but if i were without a job and had that much available i would save it for stuff like eating and having a place to live.
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Old 09-03-2009, 11:00 AM   #4
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A google search will yield dozens...I used Edmunds

http://www.edmunds.com/apps/calc/Cal...FSMMswodiS6xng
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Old 09-03-2009, 11:04 AM   #5
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Doubt you will ever find financing at min wage .... Sorry !!
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Old 09-03-2009, 11:28 AM   #6
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Doubt you will ever find financing at min wage .... Sorry !!
well im 18 and i still live with my mom, and i dont have to pay rent or anything, and she already agreed to pay for my insurance, and besides if she EVER wants me to move out, id have to have a car, which leads me to believe she would help me with a good down payment
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Old 09-03-2009, 11:41 AM   #7
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well im 18 and i still live with my mom, and i dont have to pay rent or anything, and she already agreed to pay for my insurance, and besides if she EVER wants me to move out, id have to have a car, which leads me to believe she would help me with a good down payment
Completely off topic here, but as a parent and a responsible, productive adult...this post make me sick. I could go on and on but I'll sum it up by saying: Dude, you're 18...an ADULT....act like one and get off mommas tit.
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Old 09-03-2009, 12:16 PM   #8
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Originally Posted by Fotowns Finest View Post
well im 18 and i still live with my mom, and i dont have to pay rent or anything, and she already agreed to pay for my insurance, and besides if she EVER wants me to move out, id have to have a car, which leads me to believe she would help me with a good down payment

Now you know the rest of the story !!!!
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Old 09-03-2009, 12:31 PM   #9
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Completely off topic here, but as a parent and a responsible, productive adult...this post make me sick. I could go on and on but I'll sum it up by saying: Dude, you're 18...an ADULT....act like one and get off mommas tit.
id love to quit sucking tits but slingshot doesnt think i can finance working minumum wage...sorry im not that far along in my life and can get a better paying job
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Old 09-03-2009, 12:31 PM   #10
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if she EVER wants me to move out, id have to have a car, which leads me to believe she would help me with a good down payment
1. No if she ever really wanted you out of her house all she'd have to say is "You're an adult, GTFO now!" and you'd be gone. You better never forget that at 18 you are now a guest in your mommas house.

2. If I was her, I'd agree that yeah you do need a car to get a job and get established. However, you sure as hell don't need a $24k car to get back and forth to work. A $12k Kia will do the same thing till you can get grow up and a real damn job. Or even better than that, an ugly but reliable clunker that you can pay cash for...
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Old 09-03-2009, 12:45 PM   #11
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id love to quit sucking tits but slingshot doesnt think i can finance working minumum wage...sorry im not that far along in my life and can get a better paying job
well maybe you should try something in your budget until you get that far along. don't mess up your finances and credit before you even have any. i can almost guarantee you will reget it down the road.
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Old 09-03-2009, 12:52 PM   #12
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You will need to be financing no more than 10,000, to get a 200 dollar payment. And you will have to make atleast 1500 a month or banks probably won't let you go as high as 200 a month.
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Old 09-03-2009, 01:41 PM   #13
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18, living at home, working minimum wage? Sorry bud, you really don't need a Camaro, unless it's an older generation one that you can use to get you back and forth to work and school. It's not what you want to hear but based on what you've told us, it's the truth.
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Old 09-03-2009, 01:47 PM   #14
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Sorry dude, when I was your age I was in the same hole. Forget about a Camaro for now! Unemployed? No bank will touch you right now, plus have you any idea how much your insurance will cost? You need to worry about going to college and get a good job that pays way better than min-wage. Get your mom to help you with that instead, that is way more important! I know this isn't what you want to hear, and everyone is crushing your dream. You will be better off in the long run and get something nicer than a 1LT anyway.
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Old 09-03-2009, 02:05 PM   #15
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plus have you any idea how much your insurance will cost?
Thats the other thing. I had a paid for '94 V6 Camaro with 100k miles @ age 18 with liability only and it was running me $150/month, only slightly less than I'm gonna pay for full coverage on my truck, my wifes malibu and my 2SS when I get it. God only knows what you'd pay for full coverage on a brand new one...
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Old 09-03-2009, 02:44 PM   #16
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Originally Posted by Fotowns Finest View Post
hey guys, does anyone know of a finance calculator i could use to determine how much a month i would pay on my future 1LT camaro? ive been trying to factor in how much i would make a month working minimum wage (jobless at the moment), and im trying to find a down payment number that would equate to me paying around $200 a month...any help would be greatly appreciated
I know it's seems that everyone here is busting your a$$ right now, but all we're trying to do is get you headed in the right direction so you can deal with your life ahead. Please consider what I'm about to say and don't take it the wrong way, I'm really trying to help.

At 18, although I know you would love to have a new Camaro, you need to work your way up to it. I suggest that you get $2,000 or $3,000 together and buy a 7-8 year old car that's good on gas. Take the $24,000 you'd be spending for the Camaro and get into a state college, which should maybe cost you 7k-8k for a whole year. (now you only have to worry about paying for your senior year) You will graduate with a degree, and hopefully get a decent paying job. Once you get the job, then build up your credit....make sure if you take out any loans or have a credit cards that you make EVERY payment on time! Work 2 jobs if you have to, just to keep your head above water.

I know it seems like forever, but it's only 4-5 years...it will go really quick, paticularly if you have goals set. (Your own apt. or even a small house and that new Camaro) Once your established, degree, decent job and your own place, then think about if you can afford that new Camaro.

I know I probably sound like an old fart to you (I'm 58 with 5 boys, the youngest is 24) but believe me, you will thank me 20 years from now. You won't get anywhere in life without an education. You will never be able to afford anything or ever move out of mom's house with a minimum paying job. If you want to get married, have kids, and afford the nicer things in life you need to get an education...first priority! I worked 2 jobs, one part-time until I was 40. But it was worth it! I can now enjoy life and have fun! I have a new Harley, I've got a '67 Camaro Convertible, a couple of trucks, the new camaro, a 4 bedroom house, a loving wife and 5 boys that thank me all the time for pointing them in the right direction. ( I know it sounds like I'm bragging but I'm not, I just want to show you what's available with some hard work.) I worked my a$$ off for everything I have.

Sorry for the lecture, but I'd love to see you make the right choices earlier in your life...they WILL pay off for you when you get older.
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Old 09-04-2009, 10:01 AM   #17
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uhhgg...i know all of you are right but i fear by the time all of this happens i wouldent get the exact camaro that i want
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Old 09-04-2009, 10:17 AM   #18
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uhhgg...i know all of you are right but i fear by the time all of this happens i wouldent get the exact camaro that i want
this mindset is why our country is so ass backwards... its why we let people buy homes they couldn't afford, banks lending money to anyone with a pulse, people having more kids than they can afford so they get on government assistance, private businesses being bailed out because of greed, etc etc...

ive had a job since i was 12, im 25 and i own my own home (since i was 21), paid off car (07 Honda Fit Sport), no debt (except mortgage) and 3 beautiful pets (2 dogs and a cat)... would you rather be like me or have a nice car and still live with mom and dad?
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Old 09-04-2009, 10:23 AM   #19
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this mindset is why our country is so ass backwards... its why we let people buy homes they couldn't afford, banks lending money to anyone with a pulse, people having more kids than they can afford so they get on government assistance, private businesses being bailed out because of greed, etc etc...

ive had a job since i was 12, im 25 and i own my own home (since i was 21), paid off car (07 Honda Fit Sport), no debt (except mortgage) and 3 beautiful pets (2 dogs and a cat)... would you rather be like me or have a nice car and still live with mom and dad?
Give the guy a break and quit bragging. We all learn by experience; don't knock him for wanting the exact Camaro he wants.
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Old 09-06-2009, 02:36 PM   #20
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man i know exactly where u are coming from. when i was 16 all i wanted was a new z28 camaro. instead i got a 1990 rs v6 camaro that had a blowup engine (and it was free, guy was taking it to a junk yard). i saved up the money rebuilt the v6 my senior year and went to collage. mid way through collage i got a great job in my field and i ordered my baby a 2000 z28 payed it off in 3 years (dubbed my payments). i grew up in the projects when i was a kid there is nothing like the feeling of getting something u earned and u paid for it, it wasn't just handed to u. education is the most important thing u can do in life. its hard work, i put my self through engineering school because my parents couldn't afford it. i had a full time job and a full time collage career. id go to bed at 1 am and get up at 7am to make it to class. but it is all worth it in the end. today i live comfortable i have a job that i love (i work in research and development) i own my own house big garage and soon to be two camaros. its a hard thing to do but if i where u i would focus on collage. trust me! I GUARANTEE U IT WILL PAY OFF IN THE END.
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Old 09-06-2009, 03:01 PM   #21
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Just use gm's finance calculator..
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Old 09-07-2009, 02:55 PM   #22
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A google search will yield dozens...I used Edmunds

http://www.edmunds.com/apps/calc/Cal...FSMMswodiS6xng
thanks for posting that! I was looking for it and could not find it!
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