I bought a 2005 in 12/06 from a Dodge dealership. I took their 8.125% financing for one month then transferred it to my CC. Sweet thing is that I have the title.





Ftruck05: If you go with it, LMK if you wanna trade my 18" FX4 rims/tires for those 17s. Notice you got the dual exhaust on that too... how's it sound?

 

My truck does not have dual's but the one I'm looking at does, I havent heard that one yet. I was going to swap my Toyos out on the current truck so I could put them on the new one. Ya gotta love the 04 FX4's they came with 17"s

 

WHy don't you try and refinance? You have a good couple of years of credit under your belt and just keep your current truck. Maybe the interest rate will be a lot lower?

 

What CC do you have to get such a low interest rate?

- NCSU

 

I have an 04 and like others I have had many problems with it as a first year model. You know what has been done in / to your truck. You know nothing about the 04, so I say refi and get a lower interest rate.

Don't take another truck you know nothing about. JMHO!

 

Mine too!! Only problem with it is it makes every other car deal out there seem horrible!! I looked at a new bimmer and was shocked at the payments when you throw in 6%.

ZERO% is the only way to go

 

My 04 had less issues than my 05,,, so much for first model year issues. Get a copy of the Oasis report from dealer and see what it has been in for first. It may be less hassle to just refinance your loan and keep yours if your current truck has had no problems.

 

Not sure if you have this option... If you do check out carmax.com . No I am not affiliated with them in any way other than the fact that I got my 06 FX4 there. It had 8497 miles on it when I bought it and they do not sell anything that has any kind of damege to it. I took mine to ORW where my nephew works and he checked everything and told me that the truck was in perfect condition. It is a regular cab but since we don't have kids that was fine by me. $19,500, traded my 01 V6 stock Mustang for 3000.00 and left with a 8.4 intrest rate. Payments at 534.00 a month. Went to credit union and got a way better rate and the payments are under $400 now. No way an advertisement but carmax is the bomb. Only way me and the wifey will ever buy a vehicle again. No BS. Took a total of 2.5 hrs compared to buying the wifey's car. 6+ hours Either way good luck, it did take me over a month to find my Perfect truck though. I couldn't be happier with the truck either.

 

X2! If you don't find a truck you want at carmax, you can still sell them your old one. I did that with my Ranger when I got my current F-150. The Ford Dealership was going to offer around $6k for the ranger, so I took it over to carmax and they offered $9k. Sure I had to pay a little extra in taxes since I didn't buy a truck from carmax, but getting the extra couple grand was a no brainer.

Yikes man! I think it took me about 2 hours at the Ford Dealership, but I suppose x-plan helped that along.

- NCSU

 

If it were me, and was happy with the current truck, I would just refinance. sucks that you can not use the Ford X plan on used cars/trucks even if you buy it from a ford dealer, if you could, my Fusion would be traded in on a Edge.

 

It's a Chase Platinum Visa I've had since '02. Interest rate it 15%, but every once in a while they send out those "convenience" checks for balance transfers. Normally, they're 0% for 6 months or 5.99% for the life of the balance. I happened to catch one at 3.99%.

I also tossed that credit card in the shredder to avoid making purchases on it, since lower interest balances are paid first. That means I'll have to pay off the $20K at 3.99% before any payment will go to a $10 balance at 15%.


I keep payments at $350/month so I can still achieve a 5 year payoff.

 

Good deal. My CC sends those checks to me all the time, I usually tear them up on site! Thing is, my current CC (the one with a high enough credit limit to payoff the truck) is also linked to my frequent flyer program, so the more I put on it the more miles I get. I usually put all my daily purchases on the CC, gas, food, beer, etc and pay it off by the next billing cycle, but like you said, the payments go to the lower APR balance first, so all my daily purchases would be sitting at 17% until the truck was paid off.

I do have a Citibank CC I never use, kind of an emergency card I guess, that I could try and raise the limit on, then do a balance transfer to pay off the truck, then continue to never use that card as I pay off the truck...

hmmm....

- NCSU

 

I usually tear them up too - espically the ones that are automatically filled out to me for $5K.

That card only had a $18K limit and I told them I want to take advantage of their 3.99% balance transfer but would need $2K more. They ran a quick check and raised it to $25K. That worked out better since it would show $6K available for credit and that I didn't max out the card.

The main thing to remember is to keep up w/ the payments. One day late will kill you - and send you back to 15-22% That's why I am one payment ahead, so I have buffer.



Ftruck05, sorry to get off topic. :o Dupage Credit Union has some decent rates: https://www.dupagecu.com/borrow/auto...ns/default.asp