tps7c
Well-Known Member
- Thread starter
- #1
Hey guys, need some advice here. About a month ago I picked up a 2018 GT pp1 in Kona blue, 15k miles, for $29,500. With the tax and fees I think the payoff is around $32k. I’m paying 21% - I know I know I’m an idiot but long story short, I had a heart attack a few years ago, couldn’t work, and my credit tanked. Any way, health and finances are great now, but credit hasn’t bounced back. So, don’t have to make a payment until August 5th so I’ve been pondering the idiocy of a 21% loan.
I talked to a dealer who has a 2016 gt premium, pp1, 40k miles, for $26k. But, he’s almost positive that with my credit score he can get me a 10% loan with Cap 1. That saves a ton of interest and brings the payment down by around 250 a month, but I’d probably have to put a grand or two down. The car has some options that I was really looking for - shaker audio, 8” touch screen with sync 3, heated and cooled leather seats. It’s black with the black pp1 wheels. Looks amazing.
I know the hp is less on the ’16, I’m not really worried about that. I’m hoping the exhaust note on the 16 is as sweet as the 18, however.
Anyway, any thoughts or advice would be much appreciated. Thanks!
I talked to a dealer who has a 2016 gt premium, pp1, 40k miles, for $26k. But, he’s almost positive that with my credit score he can get me a 10% loan with Cap 1. That saves a ton of interest and brings the payment down by around 250 a month, but I’d probably have to put a grand or two down. The car has some options that I was really looking for - shaker audio, 8” touch screen with sync 3, heated and cooled leather seats. It’s black with the black pp1 wheels. Looks amazing.
I know the hp is less on the ’16, I’m not really worried about that. I’m hoping the exhaust note on the 16 is as sweet as the 18, however.
Anyway, any thoughts or advice would be much appreciated. Thanks!
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