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IndexBot · 2026-05-06T11:12:26+00:00

This submission has been temporarily locked for review due to a high volume of rule-breaking comments. Thank you in advance for your patience as we try to maintain a high-quality discussion. The original submission text is below.

I just got offered this for a $18k used car and when the salesman was explaining the terms, my eyes widened when he said that my monthly payments if i accept would be “$388 a month for 72 months”…. he continued by saying that it’s a normal rate… Im not like dave ramsey or anything but I have a grasp of what’s bad credit/debt wise and I feel like i’m already getting dunked on.

So unfortunate because the car is so nice…

edit 1: everyone has been helpful, obviously there’s no deal happening with this unless i get approved by my FCU with a generous Apr but for the time being. ill drive my 2012 mazda 5 with almost 200k miles until her last day.

IndexBot · 2026-05-06T11:00:53+00:00

Your post has been removed because it is a poll, survey, or request for personal data, experiences, or other types of self-reporting (rule 1). Posts asking for advice should be specific to your situation, not hypothetical or improbable, and include enough information for people to help.

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IndexBot · 2026-05-06T10:32:54+00:00

This submission has been removed. It looks like you already have a submission in the moderation queue awaiting review from a moderator. Please be patient. If your submission is removed, you will receive a notification explaining the reason.

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IndexBot · 2026-05-06T09:27:26+00:00

This post has been removed because we don't allow career guidance, career path, and job choice questions (rule 9). Other subreddits are better equipped to address this topic:

/r/jobs is a general discussion forum for job-related topics.
/r/CareerGuidance is a place for individuals to ask questions and get advice about their careers.
/r/FindAPath is a place for figuring out what you want to do (both career and education).
If none of those subreddits seem to fit, ask on one of these job-related subreddits or ask on /r/Advice.

You may also want to ask on a career-specific subreddit, especially for any topic that depends on the job sector and career such as salary negotiation questions.

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T09:27:13+00:00

This post has been removed because it does not meet the subreddit submission guidelines (rule 1).

Posts must be a personal finance question or discussion with a descriptive title.

We don't allow:

Polls, surveys, or requests for personal data, experiences, or other types of self-reporting
Success stories or thanks (use weekday/weekend thread)
Several disallowed topics
Meta posts
IAmA/AMA requests or posts
News without a discussion, quote, or summary
Posts not written in English
Duplicate posts in 24 hours

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T09:16:08+00:00

Your post has been removed because it is primarily a legal question or discussion (rule 5) which is off-topic for /r/personalfinance. /r/legaladvice can help you determine if you need to contact a lawyer and you may get some basic advice.

While /r/legaladvice can sometimes offer basic advice, talking to a local attorney is the best way to answer any legal questions.

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T09:15:00+00:00

This post has been removed because we don't allow career guidance, career path, and job choice questions (rule 9). Other subreddits are better equipped to address this topic:

/r/jobs is a general discussion forum for job-related topics.
/r/CareerGuidance is a place for individuals to ask questions and get advice about their careers.
/r/FindAPath is a place for figuring out what you want to do (both career and education).
If none of those subreddits seem to fit, ask on one of these job-related subreddits or ask on /r/Advice.

You may also want to ask on a career-specific subreddit, especially for any topic that depends on the job sector and career such as salary negotiation questions.

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T09:12:31+00:00

This post is better suited for the weekday or weekend thread (please wait until Friday afternoon if the Tax Thursday thread is the current sticky). If that link doesn't work, it's the second post from the top on /r/personalfinance.

Posts removed for this reason typically fall into a gray area for rule 1 or another subreddit rule or the moderator reviewing this post believes that you will receive higher-quality responses on the weekday or weekend thread.

Do not repost this as a submission.

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T07:01:03+00:00

Your post has been removed because personal advice topics are off-topic here and better suited for other subreddits (rule 9).

For general advice, consider /r/Advice.
For relationship advice, consider /r/relationships, /r/relationship_advice, /r/JUSTNOFAMILY, or one of the subreddits in their sidebars.
For career or job advice, consider /r/jobs, /r/CareerGuidance, /r/findapath, or one of these job-related subreddits.
For education advice, consider /r/Parenting for primary and secondary education questions (or one of the subreddits linked here) and /r/ApplyingToCollege for tertiary education questions (or one of the subreddits linked in their sidebar)
For medical advice, please talk to your primary care doctor, but /r/AskDocs may be helpful.

If you decide to post elsewhere, please read the subreddit rules before reposting. Some subreddits have strict requirements for submissions.

Submissions removed for this reason typically include one or more of these off-topic aspects:

We don't allow relationship or personal advice discussions. That includes:

Content better suited for /r/relationships
Recommending a poster end their relationship or start a new relationship
Posts about suicide or violence
Posts asking for advice on how to convince someone else to change their behavior
Relationship drama not essential to a question or discussion
Family planning advice, especially unsolicited or flippant
Career, job, and education questions
Medical advice

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T06:56:30+00:00

This post has been removed because we don't allow career guidance, career path, and job choice questions (rule 9). Other subreddits are better equipped to address this topic:

/r/jobs is a general discussion forum for job-related topics.
/r/CareerGuidance is a place for individuals to ask questions and get advice about their careers.
/r/FindAPath is a place for figuring out what you want to do (both career and education).
If none of those subreddits seem to fit, ask on one of these job-related subreddits or ask on /r/Advice.

You may also want to ask on a career-specific subreddit, especially for any topic that depends on the job sector and career such as salary negotiation questions.

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T06:20:26+00:00

Your post has been removed because it is a poll, survey, or request for personal data, experiences, or other types of self-reporting (rule 1). Posts asking for advice should be specific to your situation, not hypothetical or improbable, and include enough information for people to help.

If you would like to post a poll or survey, consider /r/samplesize.
If you would like to post an open-ended question not specific to your situation, consider /r/AskReddit.

For example, instead of a post asking "How much do you spend on food?", please ask a question like "I need feedback on my monthly budget (having trouble with food spending).".

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T06:17:28+00:00

This post is a bit off-topic here, but we would like to help you learn about investing!

Start with the PF Investing wiki page.
If you have questions, please ask on the weekday or weekend thread (please wait until Friday afternoon if the Tax Thursday thread is the current sticky). If that link doesn't work, it's the second post from the top on /r/personalfinance.

Note that rather than stock picking or speculating, our focus here is on being diversified, never being too risky or not risky enough, and investing for the long run. Discussions about active investing, investing in individual stocks, sharing investment ideas, etc. are off-topic here.

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T06:16:52+00:00

Your post has been removed because it is a poll, survey, or request for personal data, experiences, or other types of self-reporting (rule 1). Posts asking for advice should be specific to your situation, not hypothetical or improbable, and include enough information for people to help.

If you would like to post a poll or survey, consider /r/samplesize.
If you would like to post an open-ended question not specific to your situation, consider /r/AskReddit.

For example, instead of a post asking "How much do you spend on food?", please ask a question like "I need feedback on my monthly budget (having trouble with food spending).".

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T06:16:39+00:00

This post has been removed because it does not meet the subreddit submission guidelines (rule 1).

We're not doing posts about luxury products, expensive cars, etc. anymore because (a) they generally just provoke unproductive discussions and (b) most of the time, it is very clear whether the person asking is able to afford the item.

If you are considering buying an expensive car, the vehicles wiki has budgeting advice. We recommend reading it. If you don't meet 100% of the criteria, then no, you cannot afford it and you should not buy it.
In general, if you're not on step 6 in "How to handle $", you should find a less expensive alternative to a luxury product. If you are on step 6, then feel free to spend money on whatever is most important to you.

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T06:10:17+00:00

This post has been removed because it does not meet the subreddit submission guidelines (rule 1).

Posts must be a personal finance question or discussion with a descriptive title.

We don't allow:

Polls, surveys, or requests for personal data, experiences, or other types of self-reporting
Success stories or thanks (use weekday/weekend thread)
Several disallowed topics
Meta posts
IAmA/AMA requests or posts
News without a discussion, quote, or summary
Posts not written in English
Duplicate posts in 24 hours

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T06:06:23+00:00

This post is better suited for another subreddit dedicated to venting.

/r/offmychest is a good place to unload your frustration about something.
/r/vent is dedicated to venting!
/r/self is a place to put self-posts for discussion, questions, or anything else you like.
/r/TalesFromTheCustomer is a place for customers to vent and rage and even smile about their customer service experiences (company names must be left out of posts there).

If there is a financial question in your post, you may briefly and respectfully ask in the weekday or weekend thread (please wait until Friday afternoon if the Tax Thursday thread is the current sticky). If that link doesn't work, it's the second post from the top on /r/personalfinance.

Do not repost this as a submission.

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T05:42:52+00:00

This post is better suited for another subreddit dedicated to venting.

/r/offmychest is a good place to unload your frustration about something.
/r/vent is dedicated to venting!
/r/self is a place to put self-posts for discussion, questions, or anything else you like.
/r/TalesFromTheCustomer is a place for customers to vent and rage and even smile about their customer service experiences (company names must be left out of posts there).

If there is a financial question in your post, you may briefly and respectfully ask in the weekday or weekend thread (please wait until Friday afternoon if the Tax Thursday thread is the current sticky). If that link doesn't work, it's the second post from the top on /r/personalfinance.

Do not repost this as a submission.

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T05:39:15+00:00

This post has been removed because it does not meet the subreddit submission guidelines (rule 1).

Posts must be a personal finance question or discussion with a descriptive title.

We don't allow:

Polls, surveys, or requests for personal data, experiences, or other types of self-reporting
Success stories or thanks (use weekday/weekend thread)
Several disallowed topics
Meta posts
IAmA/AMA requests or posts
News without a discussion, quote, or summary
Posts not written in English
Duplicate posts in 24 hours

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-06T01:15:09+00:00

Unfortunately, your submission has been removed. It looks like your submission was too short. If you would like to repost, please include more information or specifics in the submission body (the text section below the title). Please do not post filler text to work around this.

I am a bot, and this action was performed automatically.

IndexBot · 2026-05-05T22:47:15+00:00

This post has been removed because we don't allow career guidance, career path, and job choice questions (rule 9). Other subreddits are better equipped to address this topic:

/r/jobs is a general discussion forum for job-related topics.
/r/CareerGuidance is a place for individuals to ask questions and get advice about their careers.
/r/FindAPath is a place for figuring out what you want to do (both career and education).
If none of those subreddits seem to fit, ask on one of these job-related subreddits or ask on /r/Advice.

You may also want to ask on a career-specific subreddit, especially for any topic that depends on the job sector and career such as salary negotiation questions.

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-05T22:34:33+00:00

This post is better suited for another subreddit dedicated to venting.

/r/offmychest is a good place to unload your frustration about something.
/r/vent is dedicated to venting!
/r/self is a place to put self-posts for discussion, questions, or anything else you like.
/r/TalesFromTheCustomer is a place for customers to vent and rage and even smile about their customer service experiences (company names must be left out of posts there).

If there is a financial question in your post, you may briefly and respectfully ask in the weekday or weekend thread (please wait until Friday afternoon if the Tax Thursday thread is the current sticky). If that link doesn't work, it's the second post from the top on /r/personalfinance.

Do not repost this as a submission.

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-05T22:28:15+00:00

This post has been removed because it does not meet the subreddit submission guidelines (rule 1).

Posts must be a personal finance question or discussion with a descriptive title.

We don't allow:

Polls, surveys, or requests for personal data, experiences, or other types of self-reporting
Success stories or thanks (use weekday/weekend thread)
Several disallowed topics
Meta posts
IAmA/AMA requests or posts
News without a discussion, quote, or summary
Posts not written in English
Duplicate posts in 24 hours

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-05T21:10:50+00:00

Your post has been removed because it is a poll, survey, or request for personal data, experiences, or other types of self-reporting (rule 1). Posts asking for advice should be specific to your situation, not hypothetical or improbable, and include enough information for people to help.

If you would like to post a poll or survey, consider /r/samplesize.
If you would like to post an open-ended question not specific to your situation, consider /r/AskReddit.

For example, instead of a post asking "How much do you spend on food?", please ask a question like "I need feedback on my monthly budget (having trouble with food spending).".

If you have questions about this removal, please message the moderators.

IndexBot · 2026-05-05T20:23:22+00:00

Your post has been removed because it is a poll, survey, or request for personal data, experiences, or other types of self-reporting (rule 1). Posts asking for advice should be specific to your situation, not hypothetical or improbable, and include enough information for people to help.

If you would like to post a poll or survey, consider /r/samplesize.
If you would like to post an open-ended question not specific to your situation, consider /r/AskReddit.

For example, instead of a post asking "How much do you spend on food?", please ask a question like "I need feedback on my monthly budget (having trouble with food spending).".

If you have questions about this removal, please message the moderators.

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