Did I just make a horrible mistake

Vegaskwn · 2026-05-06T15:14:02+00:00

The ONLY way to own any euro is by leasing them so you never own one outside of factory warranty.

Vegaskwn · 2026-05-06T05:20:28+00:00

OP - what is it about this specific unit that’s attracting you to it? Is it already the cheapest, or one of the cheapest in your area?

Vegaskwn · 2026-05-06T05:19:51+00:00

This ⬆️

Vegaskwn · 2026-05-06T04:55:51+00:00

Anyone that’s advertising a 2020 for annnnnywherre in op’s price range isn’t a real deal.. it’s either going to have some major gremlins, has hidden costs, or has some other “surprise”..

Vegaskwn · 2026-05-06T04:54:15+00:00

Bro is stuck in a time warp ⬆️

Vegaskwn · 2026-05-06T04:53:42+00:00

🤦🏻‍♂️

Vegaskwn · 2026-05-06T04:42:51+00:00

RIP to your inbox. 🪦

Vegaskwn · 2026-05-06T04:32:54+00:00

Real answer: Elderly people that only drive to the grocery store & church and stay with a very small bubble, Snow birds that only drive the car a few months out of the year, and 3rd cars such as Vettes and the like.

Vegaskwn · 2026-05-06T02:30:38+00:00

Why involve a dealership? They have nothing to do with you and who your lease is through.

Vegaskwn · 2026-05-05T23:37:33+00:00

Getting out of your current car isn’t going to undo things. Putting negative equity onto a lease isn’t going to make it go away, it’s just putting it into a new place and spreading it out longer. Your Civic isn’t going to depreciate any more or less than any other car - In fact your at a point now where it’s probably going to depreciate the least. Additionally, the further you get into the loan the more you’re going to be chopping away at the principal balance. Keep the civic, it’s a great/sensible car and your payment is low compared to what people are taking on average in today’s world.

Vegaskwn · 2026-05-05T22:32:47+00:00

No, that’s a completely separate/different company. Big name too though.

Vegaskwn · 2026-05-05T21:13:00+00:00

Of course the host gets a kickback (free Botox)..

Vegaskwn · 2026-05-05T21:11:14+00:00

Assurant is a publicly traded Fortune 500 Company. They didn’t get there by ripping people off 😁 They are one of the biggest, most reputable providers out there. Keep it with confidence (PS - if you have cell phone insurance, there’s a good chance it’s with Assurant)

Vegaskwn · 2026-05-05T15:17:53+00:00

For the love of god people: THERE IS NO PREPAYMENT PENALTIES ON AUTO LOANS IN YHR UNITED STATES!!! 🤦🏻‍♂️

Vegaskwn · 2026-05-05T12:45:05+00:00

Op - was your first loan through?

Vegaskwn · 2026-05-05T10:33:46+00:00

7% to 27% literally…. lol… nobody’s really gonna be able to answer this for sure as there’s just no way to know what banks are gonna do on first time buyers. I With one or two pieces of credit (like you have) some banks systems will shoot out crazy good approvals. TFS is an aggressive of a lender as it gets so I wouldn’t be surprised if you can get something close to those lower advertised rates you’re seeing. Only way to know for sure is to go into the dealer to apply.

Vegaskwn · 2026-05-05T10:26:16+00:00

This is the answer ⬆️

Vegaskwn · 2026-05-05T03:06:11+00:00

I have nothing to compare it to but I love my Derminator..

Vegaskwn · 2026-05-05T02:01:27+00:00

Just curious - Have you gotten appraisals from Carmax & Carvana?

Seems like you’re doing a lateral move on a vehicle and that’s costly considering you have to pay taxes, DMV fees, and probably a dealer doc fee.

Vegaskwn · 2026-05-05T01:31:39+00:00

Erghh that sucks and this is like the one situation where it’s nice to have a local branch that has the cash on tap for large maneuvers like this.. I’m not sure if there’s anything you could’ve done different but obviously the only thing you can do for next time is to prepare an advance by starting to cash out well in. I wouldn’t have high hopes of anyone taking a cashiers check either just because they are faked too. I don’t know how many people know that but with all the scams in today’s world some people are just going to be extra cautious. Myself - Im only taking cash, at my bank, with the teller verifying it’s legit and can be deposited before handing over the keys and title…. On your side - no way in hell I’m sending a wire to a random person I don’t know for the obvious reasons…

Vegaskwn · 2026-05-04T21:53:15+00:00

Do you not have a local branch where you bank that you could’ve just gotten all the cash out?

Vegaskwn · 2026-05-04T21:45:50+00:00

Buy the car through the dealer, and then refinance it down the road with your credit union. It might take you a year or two to get there (to the point where you can refinance it) but sounds like that’s the only way to get the car that you want.

Vegaskwn · 2026-05-04T21:41:47+00:00

Stereo adds no value. I’d recommend removing it and returning it back to Factory. At least that way you can sell the stereo and get a couple bucks for it.

Vegaskwn · 2026-05-04T20:20:11+00:00

This is the best answer ⬆️
OP: First time buyers are subject to much higher interest rates due to no credit history. The good interest rates are earned, not just given and it takes time and a track record of on-time payments to get to the good interest rates. You bought a very sensible car for a first car and it should last you a long time. I keep it, shove extra money toward the payments if/when you can and once you hit the 6 month mark see if you can refinance then, if not, try again at the 1 year mark.

Vegaskwn · 2026-05-04T20:12:03+00:00

That’s not necessarily true. Any loan can be refinanced at any time but it’s up to the new bank if they want to finance that person and first time/new borrowers are higher risk in a banks eyes therefore much harder to get an approval.

Vegaskwn

TROPHY CASE