My credit union is 5.25% currently while my savings is 4.25% so I’ll probably finance half the truck. I did ask the dealer recently and they said 6%
This truck is a bit out of my comfort zone as the prices have gotten so high but I did well trading my other truck in when I did.
From a depreciation point I'd go for the used one IF it's in very good condition because even at $75k that's not a very good deal but it's fair. If you want the new one just tell them MSRP. Financing is going to be crap on either with current rates.
Mine finally updated to built. Looks like the dealer is getting two 35’s and my 37 order. I’m actually debating going with the 35 and changing the wheels but hopefully get to compare the trucks next to each other.
Yeah, hopefully you got enough by selling early to make up for lost tax credit.
Example: you sold for $50,000. You now lost $3000 in tax credit towards Raptor vs trading it in. In state or out of state your tax, title, registration is still based on where you live.
You’re in PA? If so you would only pay sales tax on the difference when trading a vehicle in, but if you sold it out right now you’re going to pay full tax on the new truck
Hopefully you calculated that into your numbers.
Understandable. Any reason you didn’t wait to trade your truck in on Raptor?
I seen a lot of people in the same situation over Covid.
I definitely don’t have 5 vehicles. Been driving my work car and a new Duramax at work when I need a truck. Well, I still use that when I need a real truck anyway.
I don’t get why it’s such a big deal. I ordered in September. In production 2/12
Delivery I would guess April. Which is pretty much what I expected. Have never called the dealer once.
That sounds pretty fair but it’s like any vehicle. The older it gets the price will keep dropping (not counting Covid)
I’d just find a clean truck in the spec you want and make it happen. I’ve made the mistake of always waiting and it’s rarely worth it.
Not true in the real world. I sold my avalanche 37 without Recaro’s to a dealer for $95,000. He said if it was any other color $90,000 tops. This was a few months ago.
A year old with 7000 miles is a tough sell because they are popping up at MSRP. If you can get 85k I’d take it now as the used market is dropping weekly.
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