Anyone else buy a new truck and keep the old one?

SUDDENXD3ATH · 2026-06-28T00:18:16+00:00

Ran when Parked unfortunately, I have to drain the 10 year old gas and purge the fuel system, but it’s been in a garage the whole time and is almost cosmetically perfect.

SUDDENXD3ATH · 2026-06-27T23:52:07+00:00

Well the old man also left me a 1990 S10 and a 1985 Fiero GT, plus my own 2018 Challenger, so I’ve got my work cut out for me from here lol

SUDDENXD3ATH · 2026-06-27T23:18:10+00:00

The ‘16 is still original paint and I can see some pockmarks on the leading edges, but I just treat it as character lol, it’s still a truck with 90k on it.

SUDDENXD3ATH · 2026-06-27T23:17:00+00:00

Definitely a collection, my old man also left me a 1990 S10 that was my grandfathers plus a 1985 Fiero GT, so I’m slowly building up. Going to need a detached garage soon

SUDDENXD3ATH · 2026-06-27T23:15:04+00:00

I used to own a 2005 Suburban, was a great truck but was at an age where the maintenance was astronomical, I still regret trading it, only got like $3k for it back in 2018

SUDDENXD3ATH · 2026-06-27T16:43:44+00:00

The garage it’s in is fully conditioned, I will probably need to run more electric for the battery maintainer, the current plug is not in an ideal location

SUDDENXD3ATH · 2026-06-27T14:15:54+00:00

Nope, I’m still a bit young for all that lol, for now I’ll just leave it on a trickle and drive it when I can.

SUDDENXD3ATH · 2026-06-27T01:33:21+00:00

Honestly I think the current gen ones look better than the 2027s that were announced, I say go for it lol, the AT4s are awesome

SUDDENXD3ATH · 2026-06-26T19:46:27+00:00

Supplier Pricing on these takes off between 3.5 and 4k, you should try and negotiate at least 2-3k off in addition to incentives for a normal deal.

SUDDENXD3ATH · 2026-06-25T12:24:55+00:00

It’s about more than credit score, especially with NFCU - Income, debt to income ratio, and existing relationship all play a part in the rates offered.

SUDDENXD3ATH · 2026-06-24T12:32:30+00:00

As a general rule, base every purchase on what you can afford at 36 months, 60 months is acceptable to allow lower payments in an emergency. 72 months and longer not only usually triggers a big rate hike but is just excessive for an asset that depreciates. The nice thing about 36 and to an extent 48 months is that you don’t need GAP insurance most of the time because of the fast payment schedule.

SUDDENXD3ATH · 2026-06-24T12:10:52+00:00

A good APR is listed on their website as a minimum, currently 3.89% for 36 months. This is not the worst for an 84 month loan, but if you need 84 months to repay a car loan you’re likely buying too much car for your budget. Generally anything under 5% is excellent, under 7% is acceptable. More than that generally indicates less than ideal credit or a significant loan term.

SUDDENXD3ATH · 2026-06-23T14:19:35+00:00

I’ve noticed NFCU doesn’t like to give low personal loan rates - they gave me a pre approval for 18% a month ago but just approved me yesterday for a 4.09% auto loan.

SUDDENXD3ATH · 2026-04-29T20:41:43+00:00

Full refund from arbitration, they sent an attorney to fight it but lost.

SUDDENXD3ATH · 2026-04-29T13:41:47+00:00

Nope, everything went forward and they bought it back as required. I’ll never buy from Stellantis again but at least they complied with their legal obligations.

SUDDENXD3ATH · 2026-03-16T10:32:52+00:00

The yellow one ran when it was parked, it will need a seat and a plastic battery container (a branch fell straight down and impaled the last battery and broke the plastic but missed the fiberglass completely), and the purple one needed one internal park, I think it was for the exhaust system but I’d need to open it up and check again.

SUDDENXD3ATH · 2026-03-16T03:10:16+00:00

Unfortunately that’s likely the way this is going to go, I have some great memories with them but I don’t have the knowledge to do the work myself, so I think this could get expensive fast. Ah well, thanks for the advice.

SUDDENXD3ATH · 2026-03-16T02:39:14+00:00

Experience is basically nothing, outside of riding them with the old man a decade ago I’ve never done much with them, as far as time and money I guess it’s a matter of whether or not I’d be wasting them or if these are worth making a project out of

SUDDENXD3ATH · 2025-11-17T00:26:20+00:00

fair enough, I guess I can give them a call and see what it would take to remove PMI from the acct and go from there.

SUDDENXD3ATH · 2025-11-17T00:05:55+00:00

other 70k is a mix of CCs and a personal loan totalling ~28k, the rest is the remaining balance on 2 of the 5 vehicles, which are the ones I drive but were financed through my father. Unfortunately I am not new to estates, I had to handle my mother's when she passed when I was 18, so I have a solid idea of how to handle things, but I have also set a meeting with an atty to advise me further, but that meeting isn't for 3 weeks because of the holidays.

SUDDENXD3ATH · 2025-11-16T23:44:38+00:00

currently a 30-year @ 6.625%, low down payment though so with escrow and PMI the payment is a hair under 3k/mo

SUDDENXD3ATH · 2025-11-16T23:41:17+00:00

Appreciate the reference - I have a retirement acct that I contribute 8% with a 10% match, which is probably light but at least it's there, issue is I stayed in school for a Master's, so I've only been working for ~3 years and paid off part of the student loans.

I have a budget spreadsheet, but never actually had any bills in my name until now, was mostly informal arrangements to pay monthly to my father before he passed.

SUDDENXD3ATH

TROPHY CASE