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Old 06-09-2014, 09:56 AM
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84 Month Financing?

I am looking to get into this DC Group BUY but since they dont offer 84 month financing I am looking around to see if I can find it. What banks and what interest rate could I get ahold of to secure this type of 0 down financing??? BTW, I live in Florida if that makes a difference
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Old 06-09-2014, 09:59 AM
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Re: 84 Month Financing?

Wait you need an 84 month loan with 0 down?
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Old 06-09-2014, 10:12 AM
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Re: 84 Month Financing?

I didn't even know that was possible.
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Old 06-09-2014, 10:16 AM
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Re: 84 Month Financing?

Must be trolling as no sane, fiscally responsible person would consider this. If this is a serious question, I will be the first to say you can not afford the vehicle. Get a 3 year old honda civic and drive worry free for years cheaply.
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Old 06-09-2014, 10:16 AM
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Re: 84 Month Financing?

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Originally Posted by LPowers View Post
I am looking to get into this DC Group BUY but since they dont offer 84 month financing I am looking around to see if I can find it. What banks and what interest rate could I get ahold of to secure this type of 0 down financing??? BTW, I live in Florida if that makes a difference
Are you sure financing a vehicle for 7 years is wise? Do you realize that it is likely that at some point during the loan you will most likely be upside down? If your finances are truly that tight why not look at a more inexpensive vehicle or consider leasing? Some leases offer what is called,"sign and drive". In simple terms that means that you bring no money to the table. This might be something to consider in your situation as if you leased the vehicle and liked it you could buy it at the end of the lease and have less to finance.

PS: You don't have to impress anyone but yourself.
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Old 06-09-2014, 10:17 AM
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Re: 84 Month Financing?

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Originally Posted by dun4791 View Post
Must be trolling as no sane, fiscally responsible person would consider this. If this is a serious question, I will be the first to say you can not afford the vehicle. Get a 3 year old honda civic and drive worry free for years cheaply.
Well said. Keeping up appearance is not worth if you don't have all or part of the dough.
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Old 06-09-2014, 10:20 AM
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Re: 84 Month Financing?

I am asking this because I figure interest rates are very reasonable lately, and I would rather use my liquid assets in stocks, options etc.
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Old 06-09-2014, 10:27 AM
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Re: 84 Month Financing?

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I am asking this because I figure interest rates are very reasonable lately, and I would rather use my liquid assets in stocks, options etc.
You are playing a dangerous game. Just remember that with stocks, bonds, and options: They haven't repealed the laws of physics just yet. What goes up must come down at some point and you don't have a crystal ball to know when that is. Then you will have to sell your Jeep for what ever the market will bare at that time when your option calls come due. It was amazing how many high priced vehicles could be bought for pennies on the dollar the last time the market crashed.
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Old 06-09-2014, 10:31 AM
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Re: 84 Month Financing?

I was in a similar thought as LPowers here. I bought mine used with 0 down for 79 months with 1.69%. It's not a matter of affordability as mine could be paid for easily. If they let you spread it out why not? If I need to pay it off earlier I will.


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Old 06-09-2014, 10:45 AM
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Re: 84 Month Financing?

Good grief guy asks a question and gets a financial lesson. I would say very few banks are going to offer 84 month financing with zero down, but they may be out there. I know a lot of lenders require a little bit out of pocket on those types of terms just as a gesture of good faith, but do a little shopping around and see.

Interest rates are cheap if you have good credit, but I think 84 months with zero down might be a hard sell but I'm sure it's out there.
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Old 06-09-2014, 10:49 AM
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Re: 84 Month Financing?

To much car for the money. If you can't pay off in 5yrs or less, then get something less expensive. People did the same stuff when they bought houses and then the market crashed. Buy to much but don't have the dough to pay for it. If you want to do it, by all means it is your money and don't let us stop you. I would look at the big picture of this before jumping into it.
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Old 06-09-2014, 11:51 AM
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Re: 84 Month Financing?

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Originally Posted by LPowers View Post
I am looking to get into this DC Group BUY but since they dont offer 84 month financing I am looking around to see if I can find it. What banks and what interest rate could I get ahold of to secure this type of 0 down financing??? BTW, I live in Florida if that makes a difference
Google 84 month car loan
Seems they are out there, where possibly the rec vehicle places were ahead of the curve, although didn't really pay attention to whether they also offer 0 down.

If you can demonstrate you don't need the money, someone will loan it.
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