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I want a new truck

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impulse418 View Drop Down
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    Posted: 03 May 2015 at 2:00pm
After 4 years of behavioral health, I'm taking a break and joining the private sector which comes with a significant pay raise. I should save the money, but the alcoholic in me is saying to buy a new truck Buahaha.

I've been looking at 4x4 Tacoma's and Frontiers. I like the Tacoma more, and figure thousands of freedom fighters can't be wrong haha. I need you guys to help justify this purchase for me.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote RoboCop Quote  Post ReplyReply Direct Link To This Post Posted: 03 May 2015 at 2:41pm
Save till you can pay it all at once and still have security money leftover. Maybe even before trade-in. Then you can get the newest version with some upgrades. 

I'll probably be driving my 120k mile car for some time before I can afford a new one. This at least makes me wait until the toyota FT1 comes out... please toyota!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote tallen702 Quote  Post ReplyReply Direct Link To This Post Posted: 03 May 2015 at 6:40pm
I'm going to disagree with Robo. Sure, saving up and paying cash for a new car/truck is always nice, but sometimes it's not possible, or you don't foresee your current vehicle lasting long enough to do so. I've never paid for a vehicle in cash... ever. And you know what? So long as your credit rating isn't in the crapper, you can usually get a great finance deal that, while it does technically cost you more than an all-cash deal, doesn't set you back too terribly much either. I'm only spending something like 1.2k more on my Legacy vs all-cash over 5 years.

It's nice to say "oh, I don't have a car loan, so I'm going to put all of this money away instead" but in reality, that never happens.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote RoboCop Quote  Post ReplyReply Direct Link To This Post Posted: 03 May 2015 at 10:17pm
This also gives him time to think if it's something he really wants. He has the extra money right now and wants to let it burn. If he just takes longer to mull over it, he will be more confident in his purchase. He never said he needed a new truck, he wants people to justify the purchase so there isn't a need for it.
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impulse418 View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote impulse418 Quote  Post ReplyReply Direct Link To This Post Posted: 03 May 2015 at 11:27pm
Well, I technically need a 4x4, but not necessarily a new truck. My credit isn't the greatest, and haven't used credit in the last 6 years... I would like to help change that by having a car payment.

I don't want a car payment, nor do I need a new vehicle. But I have never owned a new vehicle and figure if I do get one, buy a vehicle that'll I'll keep until I have to bury it.

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Post Options Post Options   Thanks (0) Thanks(0)   Quote JohnnyCanuck Quote  Post ReplyReply Direct Link To This Post Posted: 03 May 2015 at 11:49pm
I much prefer a used vehicle, I've had new ones, boring.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Hairball!!! Quote  Post ReplyReply Direct Link To This Post Posted: 04 May 2015 at 12:49am
Getcherself a Chevy Silveray-do.

But seriously, check with your bank/CU and dealers to see what kind of financing you can get with your credit. I ended up paying about $500 over cash value for the only car I've ever borrowed money for.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote tallen702 Quote  Post ReplyReply Direct Link To This Post Posted: 04 May 2015 at 1:29pm
To piggyback on what Hairball!!! said, local credit unions usually have vehicles for sale that were repossessed due to non-payment. I remember I'd drive past a few nice newer trucks and jeeps at my credit union back home with stickers in the windows from the CU that were basically looking to pay off the balance. The CU would usually finance it to a new buyer for ultra-low rates anyway as sitting on the vehicle did NOTHING for them, but getting a monthly installment on a loan for it did.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Eville Quote  Post ReplyReply Direct Link To This Post Posted: 04 May 2015 at 6:24pm
Wait until this fall and get a new Colorado with the 2.8l turbo diesel.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote impulse418 Quote  Post ReplyReply Direct Link To This Post Posted: 04 May 2015 at 10:14pm
Originally posted by Eville Eville wrote:

Wait until this fall and get a new Colorado with the 2.8l turbo diesel.


I really really like the new ZR2. I had the same thought today.

Thank you everyone else for your input.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote procarbinefreak Quote  Post ReplyReply Direct Link To This Post Posted: 04 May 2015 at 10:52pm
I checked out the new Colorado at the local auto show, and I was impressed with everything except the back seat.  My dad is in the market for a new/new to him truck and he needs a dog kennel to be able to fit into the back seat when it's folded up.  Chevy's have some goofy plastic foundation thing under the back seat that basically takes away most functionality when the rear seat is folded up.  Kind of a bummer.  
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Post Options Post Options   Thanks (0) Thanks(0)   Quote deadeye007 Quote  Post ReplyReply Direct Link To This Post Posted: 04 May 2015 at 11:13pm
I had an 06 Taco from 06-2012. I never had any real complaints other than the outside temperature gauge/compass quit working. My only other complaint was the price I paid for mine would have covered a full sized truck at the time (but my Taco was fully loaded, so it's my own fault). It held its value rather well when I traded it in too. If you are going to be shopping around for a while get a small loan through a bank or get some credit cards. Maybe you can help get your score high enough to get a good APR. My credit union has been offering 2.39 for a while now.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Reb Cpl Quote  Post ReplyReply Direct Link To This Post Posted: 05 May 2015 at 8:12am
Originally posted by impulse418 impulse418 wrote:

Well, I technically need a 4x4, but not necessarily a new truck. My credit isn't the greatest, and haven't used credit in the last 6 years... I would like to help change that by having a car payment.

I don't want a car payment, nor do I need a new vehicle. But I have never owned a new vehicle and figure if I do get one, buy a vehicle that'll I'll keep until I have to bury it.



That's exactly where I was a year or so ago- having my trusty old Subaru blow the timing belt was sort of a blessing in disguise because it forced me into buying something I'd have to make payments on and help bolster my credit, which took a bat to the face over the two years I was un and under employed.

I didn't get a NEW car, but still wishing to preserve the longevity of the one I did buy, I also picked up another clunker for my every day, around town stuff.

So now, the newer fusion I bought and will be making payments on for a very long time (thanks to a lousy interest rate due to toilet credit) is our primary family car while I beat the daylights out of my old Mitsubuishi Lancer with 230K miles on it on my back and forth to work.

I can't offer any advice on trucks- The closest thing I ever had to one was a Chevy Blazer, which was a POS from the word 'go.' Literally the only time I had no issues with it was the two weeks we drove across country in it and met Rambino and PCF.....(my wife still talks about him, I very nearly came home alone I think)

After that it was nothing but trouble. Transmission, Fuel pump, electrical.....it was crap.

Hell, the minivan I drove in high school was more reliable and a better 'work' vehicle when I did construction than the damn blazer was.


?

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Post Options Post Options   Thanks (0) Thanks(0)   Quote procarbinefreak Quote  Post ReplyReply Direct Link To This Post Posted: 05 May 2015 at 11:01am
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Post Options Post Options   Thanks (0) Thanks(0)   Quote RoboCop Quote  Post ReplyReply Direct Link To This Post Posted: 05 May 2015 at 12:25pm
My mom's blazer she had a long time ago began having problems at 100k miles. It became one issue after another and we just had to get something 'new to us' because it was a money sinkhole. From that day on, I warn people to never get a blazer. I think detrevni was thinking about getting one and I convinced him not to.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Eville Quote  Post ReplyReply Direct Link To This Post Posted: 05 May 2015 at 12:31pm
Originally posted by procarbinefreak procarbinefreak wrote:

I checked out the new Colorado at the local auto show, and I was impressed with everything except the back seat.  My dad is in the market for a new/new to him truck and he needs a dog kennel to be able to fit into the back seat when it's folded up.  Chevy's have some goofy plastic foundation thing under the back seat that basically takes away most functionality when the rear seat is folded up.  Kind of a bummer.  

If it's the same on the new ones as it is on my 05, that's the spare tire tool kit.  It can be removed with a couple of bolts.  I'm still on the fence about trading mine in for a new diesel model in a year or keeping mine until it falls apart.  Right now mine is at the perfect age where it still runs good and is reliable but is still old enough that I can take it off road and not care if it gets a scratch or a ding.  It will really depend on what repairs it needs over this coming year and the final specs of the 2.8.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote usafpilot07 Quote  Post ReplyReply Direct Link To This Post Posted: 07 May 2015 at 11:29am
Originally posted by procarbinefreak procarbinefreak wrote:

I checked out the new Colorado at the local auto show, and I was impressed with everything except the back seat.  My dad is in the market for a new/new to him truck and he needs a dog kennel to be able to fit into the back seat when it's folded up.  Chevy's have some goofy plastic foundation thing under the back seat that basically takes away most functionality when the rear seat is folded up.  Kind of a bummer.  

I've got a '14 F-150 with a crew cab and my back seat is HUGE. The amp under one of the seats takes up a little bit of room, but I still think I could about fit a twin mattress back there.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote JohnnyCanuck Quote  Post ReplyReply Direct Link To This Post Posted: 07 May 2015 at 9:15pm
I'm still rocking Subaru, my latest acquisition is a 1997 JDM spec Forester, only 56k kilometres, which is like 34k miles.  


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Post Options Post Options   Thanks (0) Thanks(0)   Quote RoboCop Quote  Post ReplyReply Direct Link To This Post Posted: 07 May 2015 at 10:31pm
Interesting wheels. Who makes them?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote JohnnyCanuck Quote  Post ReplyReply Direct Link To This Post Posted: 08 May 2015 at 7:01am
Enkei: nt03+m 
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