Vancouver Area Group Buy

[Marloon]

Man i hope i get this job tomorrow - it'll ultimately determine if I can have a second car. LOL

[Enemies]

In Kelowna that doesn't matter much but I guess in Vancouver it does!

That was the hardest thing for me to be honest. I really, really, really wanted Galaxy Blue Silica/Aquamarine...

But I went through this (http://www.ft86club.com/forums/showthread.php?t=3806) thread and it won my heart.

[Enemies]

Haha, oh man, every time I go through that thread and see those ghetto wheels I get a slight panic attack... What if my car came with those!

[Mr.Jay]

@Marloon: Haha you will need a 3rd or 4th job with the number of pro-orders you got XD

GSB All the wayyy

[Marloon]

Originally Posted by Mr.Jay

@Marloon: Haha you will need a 3rd or 4th job with the number of pro-orders you got XD

GSB All the wayyy

I could just ***** out and not get them at all. I could just cancel LOL. they are all refundable deposits.

[Marloon]

I wonder what financing rates are out the door. Oh and what warranties are like here in Canada

[Enemies]

I don't know. I wish I banked at a credit union because I looked at the car loan rates my bank has posted and they are horrible.

[Marloon]

Originally Posted by Enemies

I don't know. I wish I banked at a credit union because I looked at the car loan rates my bank has posted and they are horrible.

you're looking at your bank? I want to do it through the dealer - just depends which is lower. LOL

[Klinn]

Originally Posted by CoryUyede

Pretty sad the Subaru Loses out on the DGM, Lightning Red and GBS for Canada. The Lightning Red looks great On the brz!

That was probably the final thing that pushed me towards an FR-S. I was interested in the upgraded interior bits in the BRZ Sport Tech, but no red available? No sale.

[Enemies]

Originally Posted by Marloon

you're looking at your bank? I want to do it through the dealer - just depends which is lower. LOL

I have a long relationship with my bank so I figured I would check it out for s&g... I didn't realize the rates would be as bad as they are.

I have never dealt with a credit union but I probably can't just walk in and be like, oh hey, never seen you guys before but I hear you got good financing... Let me borrow from you at near 0%!

[Mr.Jay]

Very few colours to choose from kills it for me

The only bits I want is Euro headlights I don't really care for the dual zone climate

[CoryUyede]

If i had to guess, for a 5 year (60mth) finance, the Subaru will be 4.9, and the Scion 3.9 or 4.9

Credit unions, last i checked for myself, was prime + 2-3% . Also note that Car dealerships do 'simple' interest. Banks do compound (the fair way). So a 4% loan from a bank should be cheaper than a 4% dealer finance for equal terms.

[Marloon]

Originally Posted by CoryUyede

If i had to guess, for a 5 year (60mth) finance, the Subaru will be 4.9, and the Scion 3.9 or 4.9

Credit unions, last i checked for myself, was prime + 2-3% . Also note that Car dealerships do 'simple' interest. Banks do compound (the fair way). So a 4% loan from a bank should be cheaper than a 4% dealer finance for equal terms.

interesting... So i might as well go through my bank for this loan then eh?

[CoryUyede]

Originally Posted by Marloon

interesting... So i might as well go through my bank for this loan then eh?

Depends Marlon. See if you're even qualified to Have a car loan through the bank for THAT high an amount. Not to put you down or anything, just realistically they like to see that you've been employed full-time for 6 months to a year at the same place with steady income. If they happen to approve you for a 30k car loan, chances are, you won't get their "best" rate because of your history..or lack there of. Figure out what rate they can give you, by that you can calculate Just how much total interest you will actually pay over the full term.


Assuming you put ZERO down on a Sport-tech BRZ, a 60 month finance, everything inclusive. at 3.9% you end up paying about $3,550 in interest alone. If it's 4.9%, you're paying about $4500 in interest

just to compare, a FRS out the door, 60mth total interest

@3.9% = ~$3150
@4.9% = ~$4000

It's also something everyone should consider when comparing the FRS to the BRZ, not just the MSRP difference, but also the extra $100 in freight/pdi and $400-$500 for extra interest(if financing)

It'd be good to stop by your bank and find out sooner rather than later