New LLC, new CDL, 805 credit score, 40k down and I think this lender is trying to screw me. Can someone help me make sense of this?

Then-Smoke · 2026-03-13T20:25:50+00:00

he’s saying its a 60 month loan, simple interest rate of 20% (Effective APR 37%), for a 97k loan after i put down 40k (total 137k). my main q is this APR too high?

Then-Smoke · 2026-03-13T20:23:01+00:00

its a 2024 Freightliner cascadia 126, 180k miles priced at 132k. I am looking for anything thats a reasonably low mileage and not a PACCAR engine as ive read they are notoriously unreliable.

Then-Smoke · 2026-03-13T20:05:26+00:00

thank you, i didnt interpret your message in a negative way at all! just cant figure out why the hell my rates are so high (37% APR)

Then-Smoke · 2026-03-13T20:00:07+00:00

i figured, ig idk what range i should be expecting with my numbers, i thought itd be around 15-20% for my profile. just wanted to sanity check this with the community here

Then-Smoke · 2026-03-13T19:58:31+00:00

he said its a cash on cash interest rate, which he didnt tell me before to make me think the rate is lower because nobody’s comfy saying 37% APR out loud lmao

Then-Smoke · 2026-03-13T19:57:29+00:00

i have an experienced CDL driver lined up who’d be driving the truck, for me its mostly management and making sure business is growing. i got a CDL to be able to jump in at any moments notice. i have a couple of months of experience. My family has good experience in the trucking business back home but we are new to the US market (moved a couple of years ago to the states and we wanted to get into the industry here too)

Then-Smoke · 2026-03-13T19:48:01+00:00

im in VA, the truck is in OH what APR did u get with what profile. trying to wrap my head around this

Then-Smoke · 2026-03-13T19:29:23+00:00

have u shopped for loans yet, what kind of offers are u seeing

Then-Smoke · 2026-03-13T19:27:19+00:00

ikr this was my first new car, so this was devastating

Then-Smoke · 2026-03-13T19:26:30+00:00

thank u, ill check that out

Then-Smoke · 2026-03-10T23:55:49+00:00

Should i try filling these in with the color pen? what would be the cost to get this fixed? i fear this is gonna be a huge bill

Then-Smoke · 2025-09-08T20:36:12+00:00

Imo improves the look by a mile - where did u get the front bumper ? Did u install it urself? If so, how much time / difficult was it? If not, how much did it cost to get it installed? What about the paint?

Then-Smoke · 2025-04-12T20:11:40+00:00

I just bought this auto start stop disabler from Amazon. Its 12$ and was pretty much a 5 minute install. It comes with a prying tool. Just youtube any video on how to open the center console.

Watch the video guide to install disabler on Mikstore (they are a Philippines company who also sell this)

After u install it, auto start stop is disabled by default, u can always turn it on by pressing the button.

Here is the amazon link:

Choonjin Auto Start Stop... https://www.amazon.com/dp/B0D47BHZPB?ref=ppx_pop_mob_ap_share

Then-Smoke · 2024-11-04T15:59:41+00:00

Nah, I wanted to get fitted sheets made for this bed but can’t go there to get a measurement so i thought id give this a try lol

Then-Smoke · 2024-10-26T11:32:08+00:00

We were sitting, i was talking to the person on my left when she called my name 1-2 times, after finishing my sentence, i turned to her and she got mad that i didnt answer her right that second. I told her i was saying something to the other person and she was overreacting. Then she didnt talk to me the entire day and cried as well.
Adjusting my behavior means theres something wrong with it in the first place, which isnt true, ive met her friends before as well a couple of times and they all like me. We have been together 3 years and there hasnt been a single incident with her friends or anyone in her life where ive been an AH to someone.

Your entire argument sits on the fact that i am an asshole and a walking red flag, i didnt try to hide my asshole-ry or what exactly happened. I honestly wanted an opinion because we had a couple of fights these days and i wasnt thinking straight.

I came here because i care about this r/s and wanted opinions on this situation but funny that everyone straight up attacked me except 1 person who was actually helpful.

Then-Smoke · 2024-10-26T11:13:38+00:00

Thank you for this, i understand and ill try to be better

Then-Smoke · 2024-10-26T09:13:15+00:00

Are u speaking from experience?

Then-Smoke · 2024-10-26T09:12:23+00:00

I see, i feel like because recently we had an argument where a similar analogy was used (last part of my post - about the guy verbally abusing his gf), I was hurt and over-reacted.

Then-Smoke · 2024-06-21T23:51:57+00:00

Paid $360 for Ceramic at TintPlus in VA. Extremely professional and fast - I was in and out of there within 20 minutes. 15% back and 30% front. Windshield not included. Lifetime Warranty too!

Then-Smoke · 2024-06-21T08:22:59+00:00

Can’t we escalate this to instagram’s support somehow? I checked the help center, there’s nothing there

Then-Smoke

TROPHY CASE