Quote:
Originally Posted by meadowz06
Banks can't get close to credit union auto loan rates. Not on used. And warranties are NOT overrated. The touch screen radio in a FRS/BRZ is 800-1000. Certified FRS/86's are the best used deals. They have full bumper to bumper warranties, and a 7 year, 100,000 mile warranty on the engine and transmission. Inspected from head to toe, and in between. And you had a Yaris, the most basic car in Toyota's range. I do this for a living. And credit is NOT overrated. Good credit scores mean you have the banks and credit unions at YOUR mercy. Bad credit is the other way around!
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Debt is basically choosing to enslave yourself to the current banking system. Debt is never ever a good thing for a normal person. Unless a person knows how to earn money off of debt there is never a reason for anyone to choose to be in debt. It is really really easy to play the system to have a good credit score without becoming a debt slave.
There is very little differences between credit unions and banks at this point. I would assume anyone would look for the best rate they can find. That is basic common sense.
Warranties are overrated. Sorry but even on a twin the odds of using a warranty is slim to nothing. The stock touchscreen is garbage. A $300-$400 basic radio mp3 player from walmart will be better sound quality. The navigation is total garbage. I literally never use it, even crappy navigation apps on my phone are better. Not to mention anything that actually does break the dealer will fight tooth and nail not to cover. This isn't an six figure luxury car, 2015 and after cars are all on the solid side.
Certified used is the biggest scam going. Most dealers that are honest will tell you they have to charge you $1000 more on the same car to get that package, and the odds of needing the warranty are slim, they aren't going to certify anything that has any issues or any models that have a history of issues. Unless it is an expensive tech filled german car it is basically burning cash. Any actual good dealer does the same inspection on every used car on their lot.
Funny how you think you are the only one that could possibly know anything about anything.