#car

Should I finance a car with the intentional of paying it off in 3 months?

( www.reddit.com )

Should I finance a car with the intentional of paying it off in 3 months? The dealership said they could provide a better discount of $1500 off the OTD price if I chose to finance with them. 36 months @ 3.69%. I have the cash to pay it off up front. I also plan to purchase a house in 12 to 16 months. My credit score is only 694 atm. I’m trying to get it back up. Should I pay with cash or get a loan? Will it help incre…

Reddit Personal Finance 745 2025-02-27

Looking for some advice on a car sold on hire purchase garage covered defects

( www.reddit.com )

Looking for some advice on a car sold on hire purchase garage covered defects Hi so I bought a car on hire purchase 3 weeks ago so out of the 14 day cooling off period. It was a bmw 120D and the garage sold it with aftermarket m performance decals on the sides which peeled after washing straight away so I had them removed and now found rust spots what the vinyl was covering Anyone know were I stand on sending this back ?…

Reddit Personal Finance 935 2025-02-26

considering trading in brand new car for cheaper older car

( www.reddit.com )

considering trading in brand new car for cheaper older car A couple months ago I made the horrible decision to trade in my older(ish) car for a brand new 2025. I only had intentions on taking a look at the new models but you know how that goes. My car was a rental before i got it and i made the excuse that i wanted something only i have driven. They gave me a pretty decent interest rate and swindled me …

Reddit Personal Finance 881 2025-02-25

Which lens should I get for car photography?

( www.reddit.com )

Which lens should I get for car photography? I’ve got a Nikon d5000 and I’m loving it, but I still have the kit lens, which is a 18-55 mm. I’m thinking of upgrading to a better one. I’ve got a few requirements: a zoom lens with a similar focal length, so a nice wide angle and I can still zoom in quite a bit, autofocus of course, ideally a 52 mm filter size but not quite necessary, some kin…

Ask Photography 835 2025-02-24

Considering selling my car at the end of the year for extra moving funds

( www.reddit.com )

Considering selling my car at the end of the year for extra moving funds Currently in an apartment that is over my new budget for myself as I want to start focusing on rebuilding my savings in my 20s. I’m locked into my lease until November and I do have the funds to afford this and still pay off minimum payments and afford groceries; however, I just want to be able to make sure I can do a deposit for a new place. I …

Reddit Personal Finance 409 2025-02-23

Should I Pay Off My Car Loan or Contribute to My IRA?

( www.reddit.com )

Should I Pay Off My Car Loan or Contribute to My IRA? I recently purchased a car with a trade-in, leaving me with a total car loan of $16,358 at 6.2% interest, with a total finance charge of $2,204 over the loan term. However, if I pay off the remaining balance now, I would only need to pay $14,154, avoiding the extra interest. I have the ability to pay the full $14,154 immediately, but I’m conside…

Reddit Personal Finance 428 2025-02-23

Renting a Car in Europe for a European Road-trip? Looking for advice or suggestions.

( www.reddit.com )

Renting a Car in Europe for a European Road-trip? Looking for advice or suggestions. My wife and I love road trips around the US and are planning to do a 2-month-long road trip around Europe later this year. We’re into hiking and landscape photography, so that is the main reason for wanting to use a car rather than taking trains from city to city. We’re planning on roughly a big loop starting in Paris and then hitting the follo…

Reddit Travel 920 2025-02-23

Bought a new car but I drive so little. Was it a waste of money?

( www.reddit.com )

Bought a new car but I drive so little. Was it a waste of money? I drive less than 3000 miles a year. I’m not sure if I made the right decision or not to be honest. I rarely go outside and last year I bought my first new car. It was both a first new car, and a first my car (under my name). I’m 35yo. When I was looking for a car I actually wanted a tiny car (size of a fiat500/smart fortwo). But I got pressured…

Reddit Personal Finance 1.2k 2025-02-23

Does vehicle purchase or car insurance payments have anything to do with taxes?

( www.reddit.com )

Does vehicle purchase or car insurance payments have anything to do with taxes? From USA in 20’s. In 2024 my dad bought me a vehicle and he purchased the vehicle and bought it full price with his own money, but the vehicle is under my name. Do I have to put anything down or indicate this purchase of vehicle when doing taxes? How about the monthly paid towards car insurance for the vehicle? From state that has state taxes …

Reddit Personal Finance 1.2k 2025-02-23

How soon to pay off car?

( www.reddit.com )

How soon to pay off car? I’m 24M still living at home, I bought a car last year September which was a CPO 2021 Honda Accord Sport 2.0t to replace my 2000 BMW 3 series. I paid $25.5k for the car, OTD was $29.1k, my rate was 3.99% for 48 months. Currently I have $12.9k left on the loan, $340 monthly payment. Original principal was $15k. My only other debt is my student lo…

Reddit Personal Finance 998 2025-02-22

Buying a new car, wise or not so wise?

( www.reddit.com )

Buying a new car, wise or not so wise? Ahhh the question as old as time, or at least the last 40 years. I’m sure this has been asked a million of times but trying to set my mind at ease with such a fiscally involved decision. I’m 24, and just got back to the states after being international for work stuff. I need a car. My previous cars have all been used, paid for mostly by up-front…

Reddit Personal Finance 1.2k 2025-02-21