\
  The most prestigious law school admissions discussion board in the world.
BackRefresh Options Favorite

do you have a car loan? if so, how much is it?

...
Hairraiser outnumbered toaster
  07/16/25
yea probably like 30k on that shit
Cracking painfully honest cuckold
  07/16/25
what do you pay per mo
Hairraiser outnumbered toaster
  07/16/25
$1k imo
Cracking painfully honest cuckold
  07/16/25
based
Hairraiser outnumbered toaster
  07/16/25
it's 1488 as fuck. imho i'm trying to bank as much money ...
Cracking painfully honest cuckold
  07/16/25
180 age?
naked nubile stage coldplay fan
  07/16/25
46. getting out of law when i am technically still in my 40s...
Cracking painfully honest cuckold
  07/16/25
Your "40s" are from age 38 to age 46. I'm sorry t...
aquamarine wonderful meetinghouse genital piercing
  07/16/25
this is flame and cap
Cracking painfully honest cuckold
  07/16/25
No. Don't really see the point of car loans
aquamarine wonderful meetinghouse genital piercing
  07/16/25
...
cerebral pale center
  07/16/25
...
High-end associate institution
  07/16/25
...
opaque laughsome office newt
  07/16/25
...
swollen lay
  07/16/25
...
Coral anal sound barrier
  07/16/25
Back in the day one could get a car loan at 1% for 5-7 years...
cerebral pale center
  07/16/25
yeah they want like 7% now, insane not to pay in cash
Hairraiser outnumbered toaster
  07/16/25
2017 x5, own, no payment. Will drive until it is no longer p...
walnut nursing home organic girlfriend
  07/16/25
9 year loan on my Dodge Charger at 24% but I pay it on time ...
Marvelous mood
  07/16/25
chargers are 180
Cracking painfully honest cuckold
  07/16/25
Yes. 8 payments left on a Nissan Altima. Payment is $678.57/...
180 unholy deer antler
  07/16/25
Age: 46 Net worth: About $2.2M Total spent on car payments...
lemon aromatic public bath
  07/16/25
I am a similar age and net worth. I buy new cars for cash bu...
opaque laughsome office newt
  07/16/25
when's the last time you fucked your wife? how much sex d...
Cracking painfully honest cuckold
  07/16/25
my wife has stage 4 cancer. she was diagnosed 4 years ago. w...
opaque laughsome office newt
  07/16/25
wow, i'm sorry to hear that. i guess my poast really landed ...
Cracking painfully honest cuckold
  07/16/25
these are fair questions, though. also, not sure how much fu...
opaque laughsome office newt
  07/16/25
i have sex with my wife about every other day and i am 46 ...
Cracking painfully honest cuckold
  07/16/25
i think that's great. to have a healthy sex life like that. ...
opaque laughsome office newt
  07/16/25
i'm very sorry to hear that, friend. i don't really pray but...
Cracking painfully honest cuckold
  07/16/25
thank you. the discomfort only happens every three weeks whe...
opaque laughsome office newt
  07/16/25
thank you. i wish the same for you, brother.
Cracking painfully honest cuckold
  07/16/25
180! Fuck you, faggot
elite thriller corner place of business
  07/16/25
why would you say this?
Cracking painfully honest cuckold
  07/16/25
im worth 30000k iirc but my Car is Mine
Multi-colored lodge
  07/16/25
I don't have a car
greedy abode skinny woman
  07/16/25
This thread makes me sad.
180 unholy deer antler
  07/16/25
$2k on wife’s left $7k on mine Then they’l...
Poppy Location
  07/16/25
$-0-. I paid for it straight cash like I did my home just as...
Odious State Mother
  07/16/25
TCR
Adventurous Telephone Halford
  07/16/25
yes. about 35k if you're you buy a new car and there's a...
Mentally impaired idiotic box office
  07/16/25
I'm not sure about that one. Paying cash for a car rather th...
lemon aromatic public bath
  07/16/25
I second the dude above about paying interest on a depreciat...
chartreuse circlehead
  07/16/25
what does it matter if the asset is appreciating or deprecia...
Mentally impaired idiotic box office
  07/16/25
Because most people want their assets to appreciate, especia...
chartreuse circlehead
  07/16/25
everyone wants their assests to appreciate nigger, who the f...
Mentally impaired idiotic box office
  07/16/25
On a related note, a friend of mine is in the process of mov...
greedy abode skinny woman
  07/16/25
Yeah you can’t really buy a car with cash at a dealers...
zombie-like frisky piazza haunted graveyard
  07/16/25
cr, I have one right now because I bought a car a couple mon...
well-lubricated parlor
  07/16/25
Wait until you find out about the prepayment penalty in the ...
greedy abode skinny woman
  07/17/25
You can get a good used car for $15k why would you pay a loa...
talking church
  07/16/25
(Dave Ramsey)
Vibrant community account
  07/17/25
I got one during the low interest rate era because free mone...
Insecure mind-boggling prole trust fund
  07/16/25
it's a knick-knack, patty whack, give the frog a loan, his o...
naked nubile stage coldplay fan
  07/16/25
What happened to the 0 down 0 interest car loans for 72 mont...
Aphrodisiac brethren police squad
  07/16/25


Poast new message in this thread



Reply Favorite

Date: July 16th, 2025 1:04 PM
Author: Hairraiser outnumbered toaster



(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105836)



Reply Favorite

Date: July 16th, 2025 1:04 PM
Author: Cracking painfully honest cuckold

yea probably like 30k on that shit

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105838)



Reply Favorite

Date: July 16th, 2025 1:05 PM
Author: Hairraiser outnumbered toaster

what do you pay per mo

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105841)



Reply Favorite

Date: July 16th, 2025 1:06 PM
Author: Cracking painfully honest cuckold

$1k imo

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105844)



Reply Favorite

Date: July 16th, 2025 1:07 PM
Author: Hairraiser outnumbered toaster

based

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105846)



Reply Favorite

Date: July 16th, 2025 1:11 PM
Author: Cracking painfully honest cuckold

it's 1488 as fuck.

imho i'm trying to bank as much money as possible. if i hit $1.2 million in 3 years, i can leave law and become an arbitrator. i'm at about $300k in taxable accounts now. i can do it.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105855)



Reply Favorite

Date: July 16th, 2025 1:15 PM
Author: naked nubile stage coldplay fan

180

age?

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105873)



Reply Favorite

Date: July 16th, 2025 1:16 PM
Author: Cracking painfully honest cuckold

46. getting out of law when i am technically still in my 40s (49)

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105876)



Reply Favorite

Date: July 16th, 2025 2:47 PM
Author: aquamarine wonderful meetinghouse genital piercing

Your "40s" are from age 38 to age 46. I'm sorry to be the one to break the bad news, but age 49 is definitely in your 50s.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106137)



Reply Favorite

Date: July 16th, 2025 2:55 PM
Author: Cracking painfully honest cuckold

this is flame and cap

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106153)



Reply Favorite

Date: July 16th, 2025 1:06 PM
Author: aquamarine wonderful meetinghouse genital piercing

No. Don't really see the point of car loans

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105842)



Reply Favorite

Date: July 16th, 2025 1:18 PM
Author: cerebral pale center



(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105879)



Reply Favorite

Date: July 16th, 2025 2:41 PM
Author: High-end associate institution



(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106119)



Reply Favorite

Date: July 16th, 2025 2:48 PM
Author: opaque laughsome office newt



(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106139)



Reply Favorite

Date: July 16th, 2025 6:36 PM
Author: swollen lay



(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106871)



Reply Favorite

Date: July 16th, 2025 6:40 PM
Author: Coral anal sound barrier



(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106876)



Reply Favorite

Date: July 16th, 2025 1:19 PM
Author: cerebral pale center

Back in the day one could get a car loan at 1% for 5-7 years. Now it’s not worth doing

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105881)



Reply Favorite

Date: July 16th, 2025 1:25 PM
Author: Hairraiser outnumbered toaster

yeah they want like 7% now, insane not to pay in cash

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105899)



Reply Favorite

Date: July 16th, 2025 1:27 PM
Author: walnut nursing home organic girlfriend

2017 x5, own, no payment. Will drive until it is no longer presentable looking in shitlaw. Hopefully we are back to 1% manufacturer subsidized financing then

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105909)



Reply Favorite

Date: July 16th, 2025 1:32 PM
Author: Marvelous mood

9 year loan on my Dodge Charger at 24% but I pay it on time each month with my credit card & earn rewards points

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105927)



Reply Favorite

Date: July 16th, 2025 1:34 PM
Author: Cracking painfully honest cuckold

chargers are 180

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49105932)



Reply Favorite

Date: July 16th, 2025 2:18 PM
Author: 180 unholy deer antler

Yes. 8 payments left on a Nissan Altima. Payment is $678.57/mo. Bought it in April 2023 and financed because the dealership was offering 0.0% apr for 36-months and VMFXX was paying over 5%. Yes, financing was baked into cost of the car and yes I could have done better paying in cash, but I was trying to conserve cash to buy a house at the time. We’ve lost about 16% on the house thus far (~$100k).

Yes I am terrible with money, but also, in some ways money seems fake at this point too. I mean if you want to do things in life you have to spend money and it may not always be the optimal time but you do what you can with what you got and you pick yourself up and go back to work in the morning.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106058)



Reply Favorite

Date: July 16th, 2025 3:10 PM
Author: lemon aromatic public bath

Age: 46

Net worth: About $2.2M

Total spent on car payments in my lifetime: $0

I only buy shitty used cars and drive them into the ground. No point in spending more money than necessary on a rapidly depreciating asset. Maybe I will buy a nicer car some day when I feel like I have maed it, but until then, I would rather save more money so that I can quit wagecucking sooner.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106183)



Reply Favorite

Date: July 16th, 2025 3:14 PM
Author: opaque laughsome office newt

I am a similar age and net worth. I buy new cars for cash but drive them a long time. I am currently driving a 2011 car. And the wife's car is 2017.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106196)



Reply Favorite

Date: July 16th, 2025 3:15 PM
Author: Cracking painfully honest cuckold

when's the last time you fucked your wife?

how much sex do you typically have?

fav positions?

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106199)



Reply Favorite

Date: July 16th, 2025 3:16 PM
Author: opaque laughsome office newt

my wife has stage 4 cancer. she was diagnosed 4 years ago. we don't fuck.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106201)



Reply Favorite

Date: July 16th, 2025 3:17 PM
Author: Cracking painfully honest cuckold

wow, i'm sorry to hear that. i guess my poast really landed flat.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106202)



Reply Favorite

Date: July 16th, 2025 3:20 PM
Author: opaque laughsome office newt

these are fair questions, though. also, not sure how much fucking would have happened regardless. i don't think middle-age people fuck that much.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106206)



Reply Favorite

Date: July 16th, 2025 3:24 PM
Author: Cracking painfully honest cuckold

i have sex with my wife about every other day and i am 46

are you coping well with your wife's diagnosis? i hope she is able to beat it.



(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106219)



Reply Favorite

Date: July 16th, 2025 3:48 PM
Author: opaque laughsome office newt

i think that's great. to have a healthy sex life like that.

4 years ago when she was diagnosed was a bad time. she is on medication and has been mostly stable for the last couple of years.

stage 4 means the cancer has spread from the original part to a different part of the body. this is considered incurable. but the doctors will try to elongate life as much as possible.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106281)



Reply Favorite

Date: July 16th, 2025 3:55 PM
Author: Cracking painfully honest cuckold

i'm very sorry to hear that, friend. i don't really pray but i will pray for you and her. i hope she isn't in too much discomfort.

my poasting during my substance abuse spiral is very well known here and i wronged my wife many times. we got back together in 2022 and i was kinda rocky at first, but it's very good now. we've been together since 2005 and in the last couple months it's all come back to me how in love we were when we first got togehter, and i feel like that again. plus she still looks about the same, which is cool.



(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106322)



Reply Favorite

Date: July 16th, 2025 4:06 PM
Author: opaque laughsome office newt

thank you. the discomfort only happens every three weeks when she has her infusion. other than that, she is normally functioning.

and that's awesome, man. hope u have many more years together.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106352)



Reply Favorite

Date: July 16th, 2025 4:07 PM
Author: Cracking painfully honest cuckold

thank you. i wish the same for you, brother.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106355)



Reply Favorite

Date: July 16th, 2025 4:25 PM
Author: elite thriller corner place of business

180! Fuck you, faggot

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106384)



Reply Favorite

Date: July 16th, 2025 7:42 PM
Author: Cracking painfully honest cuckold

why would you say this?

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107177)



Reply Favorite

Date: July 16th, 2025 3:15 PM
Author: Multi-colored lodge

im worth 30000k iirc but my Car is Mine

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106197)



Reply Favorite

Date: July 16th, 2025 3:50 PM
Author: greedy abode skinny woman

I don't have a car

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106296)



Reply Favorite

Date: July 16th, 2025 4:27 PM
Author: 180 unholy deer antler

This thread makes me sad.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106389)



Reply Favorite

Date: July 16th, 2025 4:41 PM
Author: Poppy Location

$2k on wife’s left

$7k on mine

Then they’ll be paid off and I’ll need a new one and start the Hebrew cycle over again.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106411)



Reply Favorite

Date: July 16th, 2025 4:46 PM
Author: Odious State Mother

$-0-. I paid for it straight cash like I did my home just as XO advised.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106416)



Reply Favorite

Date: July 16th, 2025 8:11 PM
Author: Adventurous Telephone Halford

TCR

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107269)



Reply Favorite

Date: July 16th, 2025 6:34 PM
Author: Mentally impaired idiotic box office

yes. about 35k

if you're you buy a new car and there's an incentive below market rate it's kinda stupid not to. even ordinary rates. if you can cop 6% and invest what you would have paid for it into the market earning a conservative avg 10-12% per annum, why wouldn't you?

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106867)



Reply Favorite

Date: July 16th, 2025 11:05 PM
Author: lemon aromatic public bath

I'm not sure about that one. Paying cash for a car rather than taking out a loan at 6% effectively gives you a 6% risk-free return on your money. The long-run average for the stock market is higher than 6%, but it is far from risk free. There have been many 10-year and even 20-year periods where the stock market earned less than 6%. Most financial advisors will tell you to pay down debt rather than investing if the interest rate on the debt is 6-7% (or higher). It's usually not worth the slightly higher return for much greater risk unless you will definitely keep your money invested for a very long time.

Of course, if the car loan is 0% or 1%, you take the loan every single time. I would definitely take the loan if the interest rate is below 5%. But it gets a little more questionable for higher interest rates.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107715)



Reply Favorite

Date: July 16th, 2025 7:06 PM
Author: chartreuse circlehead

I second the dude above about paying interest on a depreciating asset.

If you have cash to burn, sure, go for it.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49106982)



Reply Favorite

Date: July 16th, 2025 7:40 PM
Author: Mentally impaired idiotic box office

what does it matter if the asset is appreciating or depreciating? all that matters is if the rate is good and whether you want additional leverage to invest money. typically on a secured loan, often with financing incentives for the sale, it will be.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107167)



Reply Favorite

Date: July 16th, 2025 9:16 PM
Author: chartreuse circlehead

Because most people want their assets to appreciate, especially if they're paying interest for a significant portion of that asset's life.

Outlay for a car shouldn't be significant from an investment perspective relative to your income or financial holdings. If it is, you're allocating way too much to vehicles. (Which is, of course, exactly what people selling cars want.)

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107405)



Reply Favorite

Date: July 16th, 2025 9:52 PM
Author: Mentally impaired idiotic box office

everyone wants their assests to appreciate nigger, who the fuck wants them to go down? this doesn't explain why you would want to take a loan out for an appreciating versus depreciating.

your second paragraph is completely nonresponsive. of course it's a minor consideration for people buying cars within their means.

it doesn't fucking matter what you're borrowing money *for* for personal use. what matters is the terms of the loans. if i have $100k and am buying an appreciating asset for $50k and depreciating one for $50k, and i want to finance one so i have $50k to invest, then it doesn't matter which one i finance all things being equal. if anything, you'd prefer to finance the depreciating asset because the lenders secured interest is decreasing. if you ran into trouble you'd rather the bank have a lien on something that had decreased in value.

dumbfuck.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107494)



Reply Favorite

Date: July 16th, 2025 7:12 PM
Author: greedy abode skinny woman

On a related note, a friend of mine is in the process of moving from MFH to Westchester and tried to buy a car recently from a dealership. They wouldn't sell him the car he wanted unless he took out a loan with them. (Technically, they never said "NO" -- they just made him go through so many hoops that he gave up).

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107024)



Reply Favorite

Date: July 16th, 2025 8:13 PM
Author: zombie-like frisky piazza haunted graveyard

Yeah you can’t really buy a car with cash at a dealership which is basically a mafia operation.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107276)



Reply Favorite

Date: July 16th, 2025 9:26 PM
Author: well-lubricated parlor

cr, I have one right now because I bought a car a couple months ago and to get a better price I had to take out a loan I don't need. I am just paying it off in three monthly payments.

I asked if I could just pay off the whole loan the next day, apparently that fucks the dealer over but if you make three monthly payments then it "counts" for them.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107429)



Reply Favorite

Date: July 17th, 2025 7:46 PM
Author: greedy abode skinny woman

Wait until you find out about the prepayment penalty in the fine print you didnt notice.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49110255)



Reply Favorite

Date: July 16th, 2025 8:15 PM
Author: talking church

You can get a good used car for $15k why would you pay a loan

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107279)



Reply Favorite

Date: July 17th, 2025 7:47 PM
Author: Vibrant community account

(Dave Ramsey)

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49110258)



Reply Favorite

Date: July 16th, 2025 8:16 PM
Author: Insecure mind-boggling prole trust fund

I got one during the low interest rate era because free money. Like $4K left it on I think, haven’t checked in a while.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107282)



Reply Favorite

Date: July 16th, 2025 11:26 PM
Author: naked nubile stage coldplay fan

it's a knick-knack, patty whack, give the frog a loan, his old man's a rolling stone

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107749)



Reply Favorite

Date: July 16th, 2025 11:32 PM
Author: Aphrodisiac brethren police squad

What happened to the 0 down 0 interest car loans for 72 months

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2#49107765)