3star2nr
Well-Known Member
The reason I recommend 4 years is because from an engineering stand point that's when parts will start needing replacements...Everyone's situation is different. Financial advice should only be given by someone who knows the individual asking about it and their full financial picture.
Some people don't need 3% or less, and some go further for 4 years just fine. What works for you doesn't work for everyone.
Parts like brake pads, brake fluid, clutch, shocks, control arms, gear oil, batteries, plugs etc. All of those jobs can add up to big money all of which arent covered by warranties.
If you replace them at 4 years the car will easily run till 8 with no issues. Then you'll have other parts to replace to get it to 12 and 16.
I took a 6 year loan on my car because paying it off in 4 was too much of a burden. Also there wasnt much to be gained paying sooner as I got a great rate on the car.
but now with 60k miles pretty much everything maintenance wise is catching up as expected...
I planned for this going in so it's not a big deal now, but people don't consider these things when they buy and end up in over their heads.
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