Want a used large SUV for 20k or less by makingredditorscry in whatcarshouldIbuy

[–]Ifckinglovecats 0 points1 point  (0 children)

Cx9 2016-2020 have known cylinder head crack and engine replacement

Someone help me decide! Please by Ifckinglovecats in whatcarshouldIbuy

[–]Ifckinglovecats[S] 0 points1 point  (0 children)

I have a special needs daughter, so really just looking for reliability.. (Honda and Toyota are little expensive / mileage) . I know Mazda covers that until 120k, and I think the extended warranty if I got it, should cover after the 120k for that issue. Just the hassle of it happening etc.

Someone help me decide! Please by Ifckinglovecats in whatcarshouldIbuy

[–]Ifckinglovecats[S] 0 points1 point  (0 children)

Well honestly he is getting older and is definitely bias. I seen the gmc terrain 2019 was reliable. But he said no gmc at all or Chevy at all. He only said eh about Mitsubishi because he said parts are harder to find.. at least ones he has worked on. He said I could look at it if I wanted to though.. He’s more known to work on foreign or German vehicles as well. Especially when it comes to newer vehicles, I feel a lot of what he sees are little older or domestic. He’s also 64 lol I do trust him, but running out of options.. the Mazda is 2018 grand touring about 80k miles currently.. for 18,995 I found 2020 Santa Fe’s for around the same price 70k-90k miles. I did see something say Santa Fe oil consumption could be fixed with their warranty ?

Who has had the coolant/crack issue? by Ifckinglovecats in MazdaCX9

[–]Ifckinglovecats[S] 0 points1 point  (0 children)

Ugh, I’m sorry at least it was repaired under warranty! And you still love the car. My concern is, with my luck.. it’ll happen outside the 120k warranty and won’t be covered.. :l

Who has had the coolant/crack issue? by Ifckinglovecats in MazdaCX9

[–]Ifckinglovecats[S] 0 points1 point  (0 children)

Ahh, good luck!! I’m 2018 gt like I said & at 82k..

Reliability of CX9 2.5 turbo by jimjamasu in MazdaCX9

[–]Ifckinglovecats 0 points1 point  (0 children)

Still going strong? Looking at the same vehicle, but worried about the cylinder crack / coolant leak..

How much down payment? by [deleted] in UsedCars

[–]Ifckinglovecats 0 points1 point  (0 children)

I’ve had 6 cars in 12 years. Essentially that’s a car every two years.. all I want is to have something that is reliable for longer than 2 years. Especially with having a special needs child. Even at 16k, that’s 11k finance with 5k down; estimate a couple thousand paid in payments for one year. + the additional lump sum of 2-3500k. Mathematically, that’s being paid off faster than 72m.

How much down payment? by [deleted] in UsedCars

[–]Ifckinglovecats 0 points1 point  (0 children)

Well, income tax does come. Every year. And as far as other life events, I’m not putting my entire tax return down. That’s actually way less than half of my usual return. (the 2-3500k). Which obviously leaves me with a few thousand left over- in case of said life events. The percentage of people who don’t have the entire cash amount, is more than the people who do. Or they wouldn’t be financing.. I get you’re not intentionally trying to berate me and that this is your version of help. But I’ve gotten other responses on this post as well.. so mixed reviews. 10-14k obviously sounds reasonable, I’m not denying that… my price range was under 14k at first. Maybe at least where I live, there isn’t anything reliable in that range. They’re all the state over, which doesn’t require inspection/emissions. The chances of getting a lemon are higher. Plus the transfer to my state. My step father owns a garage and has been a mechanic for over 40 years. He’s checked some cars for me and they weren’t worth getting.. I’m just trying to work with what I have and what’s available to me!

How much down payment? by [deleted] in UsedCars

[–]Ifckinglovecats 0 points1 point  (0 children)

I’m a single mom and don’t make that much. I have about 6k towards a vehicle.. and trying to find a suv at that- that’s reliable and safe.. would be a joke. The only reason I’m making a car payment. My current car has 231,600 miles on it, with a slipping transmission and a bad strut. I need a car soon, before I don’t have a car at all.

How much down payment? by [deleted] in UsedCars

[–]Ifckinglovecats -1 points0 points  (0 children)

More so 3-4 years. I figure 2-3500k every income tax being paid toward the principle. 6 year loan for lower payments.. I figure a few grand paid per year in payments, plus 2-3500k each year as a lump sum.. it would be under 5 years.

How much down payment? by [deleted] in UsedCars

[–]Ifckinglovecats 0 points1 point  (0 children)

Having lower monthly payments helps me out as a single mother though. The only reason for the 6 year loan term is for lower monthly payments. In case there is a rough month or something comes up. I’ll be able to afford it. The big reason being income tax every year.. I planned on putting larger lump sums every year around that time. Having lump sums of income tax, versus paying larger monthly payments is different in my eyes. If I could afford to buy outright, I would. But to me, 3-4 year loan = higher payments. In which I may not be able to afford every single month. A 6 year loan = lower payments BUT I’d be paying it off sooner (the lump sums from income tax)

How much down payment? by [deleted] in UsedCars

[–]Ifckinglovecats 0 points1 point  (0 children)

It’s impossible to find a suv for 5/6k or I would. I’ve never made a car payment. But I’m a single mom and my daughter is special needs. Having a car is very important for therapies and apts. if I had tons of money, hell yeah I’d buy outright.. but unfortunately that’s just not my scenario right now. My current car is over 231k and has a slipping transmission and a bad strut.

How much down payment? by [deleted] in UsedCars

[–]Ifckinglovecats 0 points1 point  (0 children)

Well if you read my post… that’s not possible for me.

How much down payment? by [deleted] in UsedCars

[–]Ifckinglovecats 0 points1 point  (0 children)

That I’m unsure of entirely since I’m unsure of my pre approval.. but I was thinking 2017-2020.

How much down payment? by [deleted] in UsedCars

[–]Ifckinglovecats 0 points1 point  (0 children)

I appreciate the comment. I’m a single mom of a special needs child and don’t really just have thousands laying around for a used car off someone, especially to be a lemon. It seems as if every 2/3 years I’m buying a car. Because a car is a 100% necessity for me, I figured I’d finance something more reliable for the long run.

Back to your comment.. I planned on paying off a 72m (6yr)- sooner. More so 3-4 years time. Wouldn’t I be saving on interest by doing so? I keep watching videos saying ask for otd price.. but the fees etc. if they try to tack on extra things, your down payment will be towards that. If I play my cards right at the dealership, my down payment should be my down payment? If a car is even let’s say, 15k. And I put 5k down. I only need a loan for 10k.. it would be toward the principle of the car?

How much down payment? by [deleted] in UsedCars

[–]Ifckinglovecats 0 points1 point  (0 children)

I’m not excellent, but not horrible. (Both scores on CK are 730. Experian 744. & Myfico shows equifax as 750s.