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cariblonde 03-08-2008 08:30 PM
need advice!!!!
 
I bought a car last year (infiniti G35) and I love the car but got totally robbed, I know its my fault i never should have signed in the first place, but its too late for regrets now, I have a 685.00 a mo car payment:eek: well, I have tried to refinance to get a lower payment but all they said they could do was extend my loan for 72 mo which i do not want to do btw to lower the payment to 640.00 I have 16% intrest..:rolleyes: .. well i foudn a car today that i really like i may be able to trade my car in and get this car for a lower payment but i will owe more money but since i will have 7.5% interest rate i can pay that car off a year sooner with a lower payment but will be very up side down......... its a Mercedes:eek: that has always been my dream car I told them i would let them know monday

pepe mint 03-08-2008 08:35 PM
I'm really no good at this advice stuff...especially in a situation like this...but I do love the Infinity G35 :D

If you like the mercedes better...maybe it would be ok to trade it in for that and get it all paid off sooner than you had planned to with the infinity?? even if you will be upside down....but maybe since you are going to be able to pay it off faster, that wouldn't be too awful. You just wouldn't be able to get rid of the mercedes because no one would want to pay off your "upside down" loan. know what I mean?

again..I'm no good at this LOL maybe someone will have some advice for you!!

cariblonde 03-08-2008 08:43 PM
Pepe Mint your not awful;) I think thats great advice and I really really really want the mercedes! I'm just thinking I will be deeper in debt when the whole point was to try to get out of it but the lower car payment is tempting:D especially when i love the car:p :p but then again I love the car I have too

KitKat 03-09-2008 05:46 AM
I may be wrong but I always heard that it is smarter to sell the car yourself than to trade it in. I know if you go to Kelly Blue Book it always gives you a much lower value for your car for a trade in. So you may want to try selling it yourself first.

cariblonde 03-09-2008 07:35 AM
I wish i could just sell it but the problem is I am currently upside down in this loan too so i couldnt sell it for what I actually owe on it

Jody Renfroe 03-09-2008 07:45 AM
OK, this is JMO, but I wouldn't go further in debt with the result being that even at the end, you're still going to be in the hole (maybe even deeper). I'd just bite the bullet and stick with the car you have now. They're both nice cars. Debt scares the crap out of me, espcially with the economy the way it is now!


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