Rule #1: Never ever negotiate monthly payment or trade in value until you agree on PP of new car. Rule #2: Always put down at minimum 20% but do not inform sales person of exact amount until late in the negotiation talks. Rule #3: Arrange financing options at your own bank/credit union before going to dealer. Make their internal financing arm beat your own bank.
Rip to the under 20k 🚗. The landscape has changed ever since the chip storage. Now those new 23 accords are fetching for almost 40k and rates are silly af. Not to mention the 4k plus accessories they add on
Great video but this is why i always pay cash for my car. I got a 8th generation Toyota Camry from a private seller amd paid under kbb value with 90k miles.
It’s best to focus on the out of the door price of the car and not just the monthly payment. It’s also best to do what this guy did, and keep terms under 5 years.
mind helping me with any info please. i found myself in a honda dealer and i love the civic sport 2022 sedan. but i’m not sure how to get a good deal. im only 20, did lots of research on a reliable car and i found that hondas are my best option
So pretty much you went to the dealership and let them know you only had $500 to work with for the downpayment and then asked them if they can lower APR for you as well?
@@jaeethabuddafly3400 it all made sense to me I recently just got a car from dealership 2018 Hyundai Elantra Sel 12k milesss car note : $337 car insurance: $142
I got a 2% auto loan from my credit union before heading to the dealership. The dealership offered me 5% as the lowest rate. I kept laughing internally
If you don’t have the money don’t get into that, just get a use civic 2003 believe me you will save a lot. Dealing with dealer is not a good idea specially if you are broke.
I wonder if I could get my monthly payment lower on my first car, doubt it-- credit (720-750), term 66, car Audi 28k, didn't decide on what putting down, but quoted at 539.45$/mo. should I move forward?
Good information would also like to ask a few questions cuz I'm in the process in going to a dealership but sometimes being a woman they take advantage. So need some advice. Thanks!
new sub here! im from Tucson AZ! Right under you! wish i would have watched this video before i bought mine. I just bought a 2017 accord touring v6. how many miles did yours have when u bought it?
I’m 19 planning on getting my first I wanted a challenger I have 5000 saved I was planning to put that into my down payment do you think that’ll be enough I have a 560 credit score
19 with poor credit a challenger is a bad choice for a first car unless youre already making bank cuz a dealer for sure will ask more than 5k, theyre gonna rip you apart.. Buy a used 5-10 year old car. Anyway your life your decisions.
@@raze_6474 thanks man I really just need advice I appreciate it hopefully I can get it I don’t really want nothing super expensive probably a 20-30k car
@@lifeoftreysempire2661 I want to put a down payment on a 2016 Ford Fusion without credit (my first car) how much should I put down and how much should I negotiate or expect to pay monthly??
I just purchased a 2014 Chevy Cruze LTZ my first time ever having a car note traded my 2009 Pontiac G6 (paid off) in and they gave me $1k for it and I had to put $500 down my apr is 17% payments are at $322/month for a 72 month term is that pretty decent considering my credit was at a 625 and it’s my first car note?
@@lifeoftreysempire2661 so is it best to pay the first car payment all in one the first time and then start paying every 2 weeks to lower the interest? Or should I just start out paying every 2 weeks?
@@lifeoftreysempire2661 I was trying to put 20% down this is my first car loan and idk if ima get approved so I was trying to do more but I’m going through navy fed
@@lifeoftreysempire2661 bad advise, just save your money and give a good down payment in order to get lower payments and then fishing paying the car fast making plans to pay extra everytime you can.. but to be honest is you can’t pay the car in cash that means you can’t afford, unless you make 80k a year.
Why don't people just get it on full payment? I see mostly people getting cars on credit which really bothers me even after having it with you you don't even have the full ownership to it..
@@lifeoftreysempire2661 I belong from Pakistan so we are not that much familiar with building and making credit scores since mostly things here are bought on full payments rather than going for monthly installments
But i do really want to know the theory behind this process, can't people just pay full payment at once at get free from this monthly payment system? Rather than increasing expenses at the end of their month
I want to get this 2016 dodge challenger for 19.5k but I was gone put down 2k with a 700 credit score and a co signer is that smart or should I get a cheaper car
Thank for this video 💪🏾💯! I want get 2018 Hyundai Sonata credit score 700 i want at least my car payments be around $290-340 first going be my first car going thru navy federal credit union I was lowkey nervous they try scam me even tho going with my grandpa 😬
@@lifeoftreysempire2661 Just turned 22 built my credit with bills and credit cards and I’ve recently paid a vehicle off, but the one I wanna get is a lot better than my current
Bro you look at that car like if it’s your last prosperous score in your life, I rather putt my money in something that it’s going to bring more money, like in a truck with tools to do my own jobs in construction. That Honda in 2025 will worth less and you will be still paying for it will be old and you will probability thinking on getting another depth. So good luck giving your money to the dealers.
@@lifeoftreysempire2661 well it is because is 3 years and in 3 years paying 500 is a lot plus insurance, in 3 years the car will be less and maybe you will not like it and get another one it’s always like that, you should save 10,000 buy a car cash and just save and save until that car is not good no move and believe me you will have enough to get a real brand you car
@@Camaro2ssboy if your paying $520 for 36 months that’s not to much lol most of the time people get 60 months or 72 months so if I pay 520 for 36 months do the math the car was $18,000 out the door
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Rule #1: Never ever negotiate monthly payment or trade in value until you agree on PP of new car.
Rule #2: Always put down at minimum 20% but do not inform sales person of exact amount until late in the negotiation talks.
Rule #3: Arrange financing options at your own bank/credit union before going to dealer. Make their internal financing arm beat your own bank.
Are the TAXES/ REGISTRATION FEES Included in the Registration ?? Can someone please answer ??
Good advice!
Love the energy, mentality, and wisdom. “Work hard” love that advice. Seems like a simple concept but we need to be reminded. Be blessed my brother!
Never tell them what you want your monthly payment to be...just keep saying, "What is your out the door price"
Whats that mean out the door price I'm about to go to the dealer for the first time lol
@@AmericanTrucker89 it means the tax added to the car
Bro dropped some super solid advice surprised this video didn’t get more views
They want to be entertained!
Rip to the under 20k 🚗. The landscape has changed ever since the chip storage. Now those new 23 accords are fetching for almost 40k and rates are silly af. Not to mention the 4k plus accessories they add on
I’m 18 finna get my first car thank you even tho this video old and I’m late
Never too late
same tryna be like this late june/ early july
@@nefariousjosiah same 😂 we all in the same thing right now
Great video but this is why i always pay cash for my car. I got a 8th generation Toyota Camry from a private seller amd paid under kbb value with 90k miles.
That’s great…on disadvantage is it’s doesn’t show as payment history with the credit bureau….but no payments good.❤
I’m only tryna pay 250-350 that’s it 😂
It’s best to focus on the out of the door price of the car and not just the monthly payment. It’s also best to do what this guy did, and keep terms under 5 years.
4U a Chevy Spark!!! 💥💥💥
@@LuckyFluke007 yo credit must be fucked up 😂😂
Bro I pay 280 with 1k down
@@ryanharper4638what car
Man my apr is 23% payment 528 for 19k car 22 out the door 😕, I was a wild boy in my 20’s
For a 2016 Honda accord sport with 90k miles
mind helping me with any info please. i found myself in a honda dealer and i love the civic sport 2022 sedan. but i’m not sure how to get a good deal. im only 20, did lots of research on a reliable car and i found that hondas are my best option
Are the TAXES/ REGISTRATION FEES Included in the Registration ?? Can someone please answer ??
23%...WTF!!!!bruh...ain't no way Boi, ain't no way
Yes
I’m tryna buy a 13-16k car with 3.5k on downpay with 680 credit I’m I good?
You definitely should be
So pretty much you went to the dealership and let them know you only had $500 to work with for the downpayment and then asked them if they can lower APR for you as well?
DM me on instagram I can explain better I’m voice message @TrevonGordonSr
Man I looked on Carvana for a $26k vehicle and they talking bout $17,800 for a down payment like damn is my credit that bad 😂😂😂
Lmaooooooo ong
😂😂😂😂😂😂
Wow, I bought a 2020 kia. Paid 2k down and pay $486 a month 😭😭😭car is 20k
Did they ask for your paystubs ? what fees did you have pay & what things already include with car ?
Nah I got scammed if that’s the case😕
@@dominiquesullivan3374 , paystubs yes .. only registration / dmv fees which was 1k and included with the 2k down payment
@@jaeethabuddafly3400 it all made sense to me I recently just got a car from dealership 2018 Hyundai Elantra Sel 12k milesss car note : $337 car insurance: $142
@@Unknownn858 how ?
I got a 2% auto loan from my credit union before heading to the dealership.
The dealership offered me 5% as the lowest rate. I kept laughing internally
lol
Thats smart! Did they try to compete with that 2%?
you should have put more down bro😂 it’s obviously gonna be high with that low down payment
I got a 650 trying to put $5000 down a 15-17k hybrid bmw. You think that would be good??
You ever had a car loan
@@lifeoftreysempire2661 same question as him and I’ve never had a car loan before I’m 19 years okd
It’s crazy you did i remember back at amazon you tell me that shit hard this vid pop up so you know I had to watch it brodie
You still at Amazon
I want an 2016 honda civic i have no credit but i wanna know an range i should put down?
If you don’t have the money don’t get into that, just get a use civic 2003 believe me you will save a lot. Dealing with dealer is not a good idea specially if you are broke.
Not gonna this car looks a lot better than the new accords
That was a gangster video bro.
Love the 9th gen accord
I wonder if I could get my monthly payment lower on my first car, doubt it-- credit (720-750), term 66, car Audi 28k, didn't decide on what putting down, but quoted at 539.45$/mo. should I move forward?
Dm me on Instagram
Are the TAXES/ REGISTRATION FEES Included in the Registration ?? Can someone please answer ??
Good information would also like to ask a few questions cuz I'm in the process in going to a dealership but sometimes being a woman they take advantage. So need some advice. Thanks!
DM me on instagram @treyv_392
Great video
So if i want a 2023 k5 for $27,000 what should i put down to have more affordable monthly payments
Depends on credit
new sub here! im from Tucson AZ! Right under you! wish i would have watched this video before i bought mine. I just bought a 2017 accord touring v6. how many miles did yours have when u bought it?
Mine had 42k
@@lifeoftreysempire2661 cool, mine had 30k but like you said they raped me lol. 570 monthly payment $2000 down smdh
I’m tryna get a used 2020 Camry LE for $19,000 with a $3000 down payment. Y’all got any ideas on what I gotta do to negotiate with these dealing mfs?
Dm me on instagram @lifeoftreysempire
I’m 19 planning on getting my first I wanted a challenger I have 5000 saved I was planning to put that into my down payment do you think that’ll be enough I have a 560 credit score
19 with poor credit a challenger is a bad choice for a first car unless youre already making bank cuz a dealer for sure will ask more than 5k, theyre gonna rip you apart.. Buy a used 5-10 year old car.
Anyway your life your decisions.
@@raze_6474 I don’t know what you mean by making bank but I’m getting paid 21 an hour I live with my parents and pay no bills so idk
I bring home 1200 a week so I don’t see why i wouldn’t be able to afford it
@Just Blitzin Well you if make 1200 a week with little to no bills then you can afford anything
@@raze_6474 thanks man I really just need advice I appreciate it hopefully I can get it I don’t really want nothing super expensive probably a 20-30k car
Are the TAXES/ REGISTRATION FEES Included in the Registration ?? Can someone please answer ??
Yes
soooo what about being 18 with no credit …
Bend over and get penetrated prolly looking at 20%apr on a $10,000 car
I’m buying my first car tomorrow and I’m trying to put down 1300 without any credit any tips ?
This your first car how much is the car
@@lifeoftreysempire2661 I want to put a down payment on a 2016 Ford Fusion without credit (my first car) how much should I put down and how much should I negotiate or expect to pay monthly??
My credit scores is 630 am I good for downpayment
You ever had a carnote
Hey 👋🏾!!! I’m new to this . I want a 2019 Honda Accord sport 2.0t … what would be the best to go in for a down payment ?
Dm me
@@lifeoftreysempire2661 how ?
@@Re_Re1017 Instagram
@@Re_Re1017 treyveezy_93
I just purchased a 2014 Chevy Cruze LTZ my first time ever having a car note traded my 2009 Pontiac G6 (paid off) in and they gave me $1k for it and I had to put $500 down my apr is 17% payments are at $322/month for a 72 month term is that pretty decent considering my credit was at a 625 and it’s my first car note?
How much was the car
@@lifeoftreysempire2661 after taxes and everything came to be $14,203.18
@@taybandssss your paying $8,981 in interest that’s not good
@@taybandssss you want to stay under 8%
@@lifeoftreysempire2661 so is it best to pay the first car payment all in one the first time and then start paying every 2 weeks to lower the interest? Or should I just start out paying every 2 weeks?
I want a 2018 Honda Accord I been looking for I’m going 4 down with a 638 credit score am I okay
4k down ?
I’m trying to get a 27k car and my down payment is 6k with a credit of 735 should I be good?
Did you ask to put that down or they told you that
@@lifeoftreysempire2661 I was trying to put 20% down this is my first car loan and idk if ima get approved so I was trying to do more but I’m going through navy fed
@@757_broly4 never tell a dealership you have that much if you have that much credit $0-500 down
@@lifeoftreysempire2661 💯 thank u 🙏🏾
@@lifeoftreysempire2661 bad advise, just save your money and give a good down payment in order to get lower payments and then fishing paying the car fast making plans to pay extra everytime you can.. but to be honest is you can’t pay the car in cash that means you can’t afford, unless you make 80k a year.
What would be the best down payment for a 2018 Honda Civic or any car that’s $15,000-20,000
Depends on credit
@@lifeoftreysempire2661 my credit score is 780 and I’m only 20 u think that’s good enough?
@@brianmabone1643 2k
I put 500$ down & I only pay 389$ a month
how much was the vehicle
What kinda car?
Why don't people just get it on full payment? I see mostly people getting cars on credit which really bothers me even after having it with you you don't even have the full ownership to it..
Do you rent or you do you have a mortgage
@@lifeoftreysempire2661 I don't pay anything to the owner since I've bought the property on full payment.. no mortgages neither I'm on rent
@@SyedMT do you don’t build credit
@@lifeoftreysempire2661 I belong from Pakistan so we are not that much familiar with building and making credit scores since mostly things here are bought on full payments rather than going for monthly installments
But i do really want to know the theory behind this process, can't people just pay full payment at once at get free from this monthly payment system? Rather than increasing expenses at the end of their month
What is your credit score ?
How much do you make a month?
I want to get this 2016 dodge challenger for 19.5k but I was gone put down 2k with a 700 credit score and a co signer is that smart or should I get a cheaper car
That is smart, if anything you can go with cheaper to save. But we only get one life. Why can’t we have the finer things in life ? 😊
I’m paymet is 786 months wait no down payment
@@physhco10 no
Frfr!!! 💯💯💯💯
Thank for this video 💪🏾💯! I want get 2018 Hyundai Sonata credit score 700 i want at least my car payments be around $290-340 first going be my first car going thru navy federal credit union I was lowkey nervous they try scam me even tho going with my grandpa 😬
Yes you have to do in there with a game plan if not 🤷🏾♂️
What stuff did they ask you for ? Did u have a lot fees ?
How many payments did you do at dealership?
I’m kinda confuse on how it’s works with fees etc…
@@dominiquesullivan3374 wym
Better hav Vaseline 😭😭
Excuse me 🤣🤣🤣
let’s just say I had 92% of the down payment cash would there be problems
Lol, might as well save the 8% and pay the full 100%.
I.need a car,dont know anything about cars. Just need advice. Not an expensive one hoo
100% 💯💯💯💯
My credit is 750 rn only tryna put down 1500 can it work
With 750 you can put 0 down
@@lifeoftreysempire2661 much appreciated
@@legoatjames6531 have you financed anything
@@lifeoftreysempire2661 Just turned 22 built my credit with bills and credit cards and I’ve recently paid a vehicle off, but the one I wanna get is a lot better than my current
@@legoatjames6531 okay your good
Bro you look at that car like if it’s your last prosperous score in your life, I rather putt my money in something that it’s going to bring more money, like in a truck with tools to do my own jobs in construction. That Honda in 2025 will worth less and you will be still paying for it will be old and you will probability thinking on getting another depth. So good luck giving your money to the dealers.
Lol 😂 the dealers I went to my credit union
@@lifeoftreysempire2661 accept it you are vivir away your money. You will be broke and the dealer will be rich is simple math.
@@alejandromazariegos9223 no not really 36 month term you have a house or apartment
@@lifeoftreysempire2661 well it is because is 3 years and in 3 years paying 500 is a lot plus insurance, in 3 years the car will be less and maybe you will not like it and get another one it’s always like that, you should save 10,000 buy a car cash and just save and save until that car is not good no move and believe me you will have enough to get a real brand you car
@@alejandromazariegos9223 it’s not your money why does it matter
Sheesh
Even 520$ is too much dude. Brag 2500 down you are broke dude.
😂
@@lifeoftreysempire2661 hey bro the car is 2018 civic for $22k final price I’ve got $15k to put down good buy?
Ong he should’ve got a sports car and pay that much
@@Camaro2ssboy if your paying $520 for 36 months that’s not to much lol most of the time people get 60 months or 72 months so if I pay 520 for 36 months do the math the car was $18,000 out the door