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Old 06-11-2010, 04:08 PM   #1
FutureCamaroOwner
 
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Good goal for down payment on 1SS?

Hey guys,
I have been posting throughout my journey on getting my dreamcar. I'm 23 soon to be 24. I was originally going to get a V6 but made the mistake of test drving and renting a SS lol. So now my goal is 1SS. Summit white with the BA system. My current plan is to put down about 8k. Does that sound like a good amount down. I just dont want my payments much over 400. BTW i was quoted around 31800 for what i stated above. Man, just thinking of the day i can get in the baby gives me chills. I cant wait. I have saved 3k this month alone (World Series of Poker overtime). Anyway now im ranting. Whats your thoughts? Thanks everyone....

-Travis
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Old 06-11-2010, 04:20 PM   #2
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Originally Posted by FutureCamaroOwner View Post
Hey guys,
I have been posting throughout my journey on getting my dreamcar. I'm 23 soon to be 24. I was originally going to get a V6 but made the mistake of test drving and renting a SS lol. So now my goal is 1SS. Summit white with the BA system. My current plan is to put down about 8k. Does that sound like a good amount down. I just dont want my payments much over 400. BTW i was quoted around 31800 for what i stated above. Man, just thinking of the day i can get in the baby gives me chills. I cant wait. I have saved 3k this month alone (World Series of Poker overtime). Anyway now im ranting. Whats your thoughts? Thanks everyone....

-Travis
Must be an M6, sounds pretty good, putting 8K down should do the trick
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Old 06-11-2010, 04:25 PM   #3
cterry
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I put down 10k on my 2ss, got 3.9% rate on 28k loan, and payment is $505 mo. So, depending how much you pay, and your rate, payment likely going to be over $400.

If you borrow $23k, for 5 years and get 5% rate, your payment would be $432. Hope that helps.
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Old 06-11-2010, 04:26 PM   #4
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By the time you add in tax, title, and other BS dealer charges, it will be about another 3K. Depending on the intrest rate that you get, and how many months you plan to finance, 8K down may not be enough to keep you in the $400/month range.
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Old 06-11-2010, 04:34 PM   #5
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I didn't want my pmt over $450 and was trying for a 5yr loan. I was real close but after adding in a 6/60 warranty I ended up have to go with a 5.5 yr loan but my pmt is like $454.

Don't forget about your TTL but also look at getting any kind of rebate or discount you can. I got $1,550 off between the USSA rebate and Preferred Pricing.

You'll be wise to save the extra for the 1SS though. In the long run it will cost you more to trade in an LT for the SS. However.....I'll say just geting the car is the start. I've already got about $2,500 in basic mods.
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Old 06-11-2010, 04:36 PM   #6
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http://www.bankrate.com/calculators/...alculator.aspx
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Old 06-11-2010, 04:43 PM   #7
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i put 11000 for my 1LT LOL... but my monthly payments come out to 383 a month. cuz of the high interest rate @_@ 6.85% >_>
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Old 06-11-2010, 05:59 PM   #8
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I put down 27K on my 2SS (can you tell i was saving money for this car). got my payments to $286 at I think 3.9%. I do pay $500 a moth to get my 2SS/RS IOM paid off sooner.
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Old 06-11-2010, 07:13 PM   #9
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If you wait til the 2011s hit the dealerships, you can likely get a good deal on a 2010.
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Old 06-11-2010, 07:29 PM   #10
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If you wait til the 2011s hit the dealerships, you can likely get a good deal on a 2010.
ya but what are the chances of finding a left over 2010 model? they did sell alot of them.
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Old 06-11-2010, 08:13 PM   #11
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Everyone has their own unique financial situation. The most important thing for you to consider is how will this purchase affect your life style.

Look ahead for the term of the loan and be very sure that you can support the payments until the loan is payed off. Don't overextend yourself just to satisfy the urge to get the car.

Remember, dealers do not consider your future when selling you a car. You are the one that will be ultimately responsible for any contract that you sign.

Dont let want get in the way of practical thinking.
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