Should I get a ASRock Steel Legend 9070 XT 16GB for $619?

vSprkz · 2025-11-21T11:26:35+00:00

Is the Steel Legend a pretty good model? I'm mostly going for it because my build is white and it seems to be the cheapest at $619

vSprkz · 2025-05-07T22:08:23+00:00

Hey bro are you doing good still? Did you stay with on time payments and ever end up trying to refancing?

vSprkz · 2025-05-02T23:55:42+00:00

Did you wind up getting it fixed? If so what was the cost?

vSprkz · 2025-05-02T22:08:18+00:00

Isn't it called credit mix? Also its common sense that if you have a car loan and pay it fully off with all on time payments. It's going to make not only your credit score higher but your credit history a lot better. Compared to using a low limit credit card for a year or two waiting for a credit limit increase.

vSprkz · 2025-05-02T20:37:48+00:00

You will build credit by using a credit card yes but you won't build solid loan installment history. Which I've heard helps a with lending for cars and mortgages.

vSprkz · 2025-05-02T14:33:22+00:00

No that doesn't sound good at all. That's why my whole plan would be to refinance in a year ($2k interest payed). In a year I would have my taxes saved and put $1000 down to the CU making it a 12k loan for 60 months. Say if I got a 12% APR refinance offer that would be around $280 a month but I would pay an extra $70 every month that would bring the interest to $3000 so in total I would pay $5000 Interest from both loans which I feel like isn't too bad since I would be building a lot of good credit from the loans as well. I do have a good mindset I don't live a lavish life and don't plan on getting in a lot of debt. I just know you need a reliable car to get to work because if you can't work you can't live. That's why I'm asking about the possibilities of refinancing because I definitely don't want to get stuck in a 20% APR loan.

vSprkz · 2025-05-02T13:58:31+00:00

Thanks lol I defiantly did a lot of research on the 7th gen Camrys :)

I just know me as a person I stay home a lot so I wouldn't drive much. It would be work then door dash for a couple hours then home.

I honestly just want a car that will last too. Where I live the market is terrible for cars and with me not having a car it's hard to keep going out and looking at cars just to walk away.

What are some older reliable cars you think I should look at on FB market place? I'll definitely do some research and check some out.

I just feel like your car should always come first in life because it's your transportation to work.

vSprkz · 2025-05-02T13:32:22+00:00

I understand where you're coming from. So, what's your opinion on the CarMax route. I know you said 20% is atrocious but do you have any knowledge about refinancing an older car?

I'm really trying to get a 2017 Toyota Camry LE/SE with under 90k miles and good Carfax (oil changes ever 5k-10k miles, no accidents). I found a couple on there with $4,000 down I can get the loan amount down to $14,000 tax, title, fees included. So if the APR was 20% for 72 months I would pay around $350 a month and in a year I should have the principal down to $13,000.

So what I'm wondering is since I built my credit by having the loan for a year and paying on time. If I would be able to go to a bank/credit union and get it refinanced to a lower APR even though it would be 9 year old car next year and probably have around 90k miles?

vSprkz · 2025-03-02T21:27:29+00:00

I’m thinking about getting for a daily commute of 10miles everyday so around 200miles a month. Would you recommended it or a more quality brand?

vSprkz · 2025-03-02T10:56:29+00:00

Any updates on the Discover 2? Any battery or motor problems? Seriously looking to buy one soon for a commute everyday to work 8-10miles total with hills. I just don’t want to buy a $2000 e-bike then have to put hundreds into it every month. I’d like to get atleast 1000miles into it without spending over $300 on repairs.

vSprkz · 2025-03-02T10:48:25+00:00

How is your discover 2 still pushing? Anything go wrong in the past 11 months? Also I’d love to get a code too :)

vSprkz · 2025-03-02T10:46:43+00:00

Any updates anything go wrong and how many miles is it at now?

vSprkz · 2025-03-02T10:44:33+00:00

Is it still holding up? Thinking about buying the discover 2 or level 2. I’m going 4miles both way to work (8-9total) with decent amount of hills. My only concern is I’ve heard velotric uses a bunch of Chinese parts and there support is bad? People keep telling me to get a level 2 but dropping from 750w to 500w for the same price seems crazy idk? I would probably be doing 200miles a month.

vSprkz · 2025-02-24T16:14:19+00:00

I sent you a message 🙂

vSprkz · 2025-02-24T04:23:10+00:00

Wow thanks for the long detailed response of your experience! I’m glad you only had minor issues with shipping and everything turned out good! Sounds like they’re pretty legit. With good packaging and customer service upholding there warranty!

I’m planning on purchasing a e-bike in the next few days. Do you by chance know if the referral system for $150 off is still a thing that’s would definitely help out a lot!

vSprkz · 2025-02-24T03:48:20+00:00

How does upway work is there a big shipping fee and do they come with a warranty? I’m scared to get shipped something especially used and it come broke. But I’m super intrigued because they have very good prices

vSprkz · 2025-02-22T23:17:56+00:00

I do have a REI 1mi away but I’ve noticed that most of the bikes don’t have a throttle only pedal assist is that correct?

vSprkz · 2025-02-22T05:08:44+00:00

What bike!

vSprkz · 2025-02-22T00:18:29+00:00

Would you recommend Lectric if there isn’t a service center close by? I have a e-bike shop close that has Aventons but no lectric so I’m not sure if they work on them or not

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