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  • pensfan83pensfan83 Member Posts: 2,767
    edited December 2024
    kyfdx said:

    stickguy said:

    The issue is more that dealers don’t state the apr which buyers understand (well, most of them!). And that I bet is intentional.

    Except, technically, it isn't an APR. Most dealers don't advertise the APR, either, as they want to mark it up without you knowing.

    That's more of a dealer issue than a math problem
    For the Passport we knew what the CPO rates were from Honda Finance, told them the term we wanted, the cash we were putting down, and assumed no add ons to give them an OTD offer. First sheet that came back included terms ranging from 48 to 72 with something around 10% APR I think. I have to assume that includes the 2% reserve available to the dealer for markup.
    1997 Honda Prelude Base - 2022 Acura MDX Type S Advance - 2021 Honda Passport Sport - 2006 BMW 330Ci ZHP
  • oldfarmer50oldfarmer50 Member Posts: 24,137

    @oldfarmer50 said:

    Nothing wrong with the Sienna but I don’t see much difference between it and a Pacifica. The Buick Enclave might be the bargain compared the Asian selections.

    My sister-in-law had a Pacifica as a company car, it needed a few new transmissions while she had it. I would stay far away.


    Change the fluid more often.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • oldfarmer50oldfarmer50 Member Posts: 24,137

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • nyccarguynyccarguy Member Posts: 17,442

    @pensfan83 said:
    For the Passport we knew what the CPO rates were from Honda Finance, told them the term we wanted, the cash we were putting down, and assumed no add ons to give them an OTD offer. First sheet that came back included terms ranging from 48 to 72 with something around 10% APR I think. I have to assume that includes the 2% reserve available to the dealer for markup.

    Did you negotiate off of their advertised price or did you think it was priced right? I know, I know. Everything is negotiable.

    2001 Prelude Type SH, 2022 Highlander XLE AWD, 2023 Toyota Tacoma SR 4WD, 2025 Toyota Camry SE AWD

  • cdnpinheadcdnpinhead Member Posts: 5,614
    edited December 2024


    Change the fluid more often.

    Well, based on my experience (admittedly 20+ years ago) I'd go for annually, possibly monthly. My car, my mother-in-law's car and my wife's minivan all required major automatic transmission work back in the '80s and '90s. That was my first (and last) automatic transmission and my last Chrysler (or whatever they're called this week) vehicle.

    YMMV.
    '08 Acura TSX, '17 Subaru Forester
  • nyccarguynyccarguy Member Posts: 17,442

    @anonymousposts2025

    Welcome back BTW. Back to your original stick shift question. The Civic Si is an excellent choice. Have you thought about a WRX?

    2001 Prelude Type SH, 2022 Highlander XLE AWD, 2023 Toyota Tacoma SR 4WD, 2025 Toyota Camry SE AWD

  • tifightertifighter Member Posts: 3,766

    Wish you could get a nicer GR Corolla?

    https://youtu.be/Fki9I0K-i08?si=9fQt0YJ1jGFguqWq

    Keep wishing, I guess.

    25 NX 450h+ / 24 Sienna Plat AWD / 23 Civic Type-R / 21 Boxster GTS 4.0 / 03 Montero Ltd

  • corvettecorvette Member Posts: 11,226
    My 2024 Altima rental seems to be missing the wallowy suspension of my Ariya, but it has quite a bit of road noise (which the Ariya doesn't). Filled up for the second time today after almost 450 miles of driving in near-ideal conditions (65-70 MPH limit interstate + national park with 35-45 MPH limits and only a few stops), and my manually calculated MPG was a hair over 36. Trip computer claimed I got 39. CarPlay sometimes fails to launch, but this isn't unique to Nissan. The audio quality is good. I don't care for the fake, simulated shifts on the CVT--just keep it in the appropriate power band for the amount of thrust I'm requesting.
  • oldfarmer50oldfarmer50 Member Posts: 24,137
    corvette said:

    My 2024 Altima rental seems to be missing the wallowy suspension of my Ariya, but it has quite a bit of road noise (which the Ariya doesn't). Filled up for the second time today after almost 450 miles of driving in near-ideal conditions (65-70 MPH limit interstate + national park with 35-45 MPH limits and only a few stops), and my manually calculated MPG was a hair over 36. Trip computer claimed I got 39. CarPlay sometimes fails to launch, but this isn't unique to Nissan. The audio quality is good. I don't care for the fake, simulated shifts on the CVT--just keep it in the appropriate power band for the amount of thrust I'm requesting.

    Road noise could be the tires. Rental companies tend to go for the low bid brands.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • nyccarguy said:

    @anonymousposts2025 said:

    We picked up a 2014 Odyssey late last year. We had a 2020 Sienna XLE but sold it because we thought one was leaving the nest. Our 19 year old appears to be comfortable living here so that was a mistake. We don’t like new Siennas or Odysseys and didn’t want to sell the Tesla or RAV4 at that time. It has 140k, but works for our needs.

    Just curious, how is the odyssey? Have you had to do any major maintenance items? You had it checked out before you bought it? How many miles were on your Sienna? Which do you prefer?


    The Odyssey is great. We bought it last year with 130k. 2014 EX-L. The previous owner bought it as a CPO with 30k. They did nothing but change the oil. It had four different brands of tires and needed all major maintenance. We did the timing belt, spark plugs, transmission fluid, control arms, and shocks. The used car market is rough in this area. By the time we came across this Odyssey we had seen bullet holes, replaced odometers, etc. This one had a legit ownership history and we would rather do the maintenance ourselves anyways.

    We bought our Sienna new. It was a 2020 XLE. We sold it in 2022 with 25k.

    Pros and cons to both. For us, we prefer the Odyssey more. The Sienna had more space and more power. The Odyssey drives better and gets better gas mileage.
  • pensfan83pensfan83 Member Posts: 2,767

    @nyccarguy said:

    @pensfan83 said:
    For the Passport we knew what the CPO rates were from Honda Finance, told them the term we wanted, the cash we were putting down, and assumed no add ons to give them an OTD offer. First sheet that came back included terms ranging from 48 to 72 with something around 10% APR I think. I have to assume that includes the 2% reserve available to the dealer for markup.

    Did you negotiate off of their advertised price or did you think it was priced right? I know, I know. Everything is negotiable.

    No, I think it was priced fairly. It was on the lot around 2.5 months and been reduced in price about $2,800 off the original asking price. A search of comps found most with more miles were priced higher, some not certified. I asked if they would throw in a cargo mat but they threw in an extra free oil change instead.

    1997 Honda Prelude Base - 2022 Acura MDX Type S Advance - 2021 Honda Passport Sport - 2006 BMW 330Ci ZHP
  • corvettecorvette Member Posts: 11,226

    Road noise could be the tires. Rental companies tend to go for the low bid brands.

    I think they are OE Kumhos, the car only has 19k on it.
  • roadburnerroadburner Member Posts: 18,253
    edited December 2024
    I stopped bt the M-B dealer today. As expected, things were very busy. The sales guy I talked to was very nice but the problem was that the GLC was being detailed and he couldn't get it out for a test drive. I'm hoping to drop by Thursday if my jury trial gets bumped (please!).
    There was a new C4w in the showroom; the interior looks much better than it photographs. Mercedes has also gone to a touchscreen but it's built into the upper console so it's much easier to reach than the half-*ssed abomination used on the BMWs. Still, I really dislike touchscreens as I don't like taking my eyes of the road. I think automakers like touchscreens because they are cheaper than switches and they also wow the wearers- who could not care less about the driving experience.
    If I was forced to replace the C43 I think I'd move up to an E53- which gets a twin turbo I6 as opposed to a four cylinder cranked up to way past 11.

    Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
    Wife's: 2021 Sahara 4xe
    Son's: 2018 330i xDrive

  • explorerx4explorerx4 Member Posts: 20,634
    edited December 2024
    @jmoroe1,
    I reach out to the person I thought it was and got a response that I took as a positive, so I'm pretty confident in my post.
    2024 Ford F-150 STX, 2023 Ford Explorer ST, 91 Mustang GT vert
  • MichaellMichaell Moderator Posts: 261,366
    Member needs help dealing with negative equity

    Y'all are gonna love this post....

    Edmunds Price Checker
    Edmunds Lease Calculator
    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige

  • nyccarguynyccarguy Member Posts: 17,442

    @anonymousposts2025

    What color is your new Civic SI? Congrats! It is a 2024 or 2025?

    2001 Prelude Type SH, 2022 Highlander XLE AWD, 2023 Toyota Tacoma SR 4WD, 2025 Toyota Camry SE AWD

  • 28firefighter28firefighter Member Posts: 9,796
    edited December 2024

    Congrats! Can’t go wrong with a Civic Si at MSRP

    2025 Jetta GLI Autobahn, 2024 Jeep Grand Cherokee 4xE
  • jmonroe1jmonroe1 Member Posts: 9,271
    Thanks for your help @anonymousposts2025 with a punch in here this month. I’m beginning to think we’re going to need help from outsiders like you if we’re going to top our 2023 punches for this year. Hate to have a December to remember for the wrong reason. :'(

    jmonroe
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • sdasda Member Posts: 7,532

    @jmonroe1 said:
    Thanks for your help @anonymousposts2025 with a punch in here this month. I’m beginning to think we’re going to need help from outsiders like you if we’re going to top our 2023 punches for this year. Hate to have a December to remember for the wrong reason. :'(

    jmonroe

    Isn't it time for you to step up and replace the Genny?

    2021 VW Arteon SEL 4-motion, 2018 VW Passat SE w/tech, 2016 Audi Q5 Premium Plus w/tech

  • au1994au1994 Member Posts: 3,686
    Uhhh…they are not outsiders, more like OG’s.

    2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
    2024 Audi Q5 Premium Plus Daytona Gray over Beige
    2017 BMW X1 Jet Black over Mocha

  • roadburnerroadburner Member Posts: 18,253
    I received my navigation update USBs from Jeep a couple of days ago and I just got around to installing it. Get this- it requires 23 separate steps, including once again putting the telematics in Dealer Mode, sending information to the Mothership, and generating another activation code. So far the Jeep has sat running for nearly an hour, and the update is only at 12%. Contrast that with Mercedes, which is a 4 step process (3 once the download manager is installed)- and that's only for map regions that aren't automatically downloaded OTA. BMW's process is similar. Crazy.

    Mine: 1995 318ti Club Sport-2020 C43-1996 Speed Triple Challenge Cup Replica
    Wife's: 2021 Sahara 4xe
    Son's: 2018 330i xDrive

  • jmonroe1jmonroe1 Member Posts: 9,271
    au1994 said:

    Uhhh…they are not outsiders, more like OG’s.

    ————————————————
    Huh? That went right over my head.

    jmonroe
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • stickguystickguy Member Posts: 53,227
    Old Guard. They started the place pretty much.

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • jmonroe1jmonroe1 Member Posts: 9,271
    stickguy said:

    Old Guard. They started the place pretty much.

    ————————————————
    OK, but does that apply to @anonymousposts2025? Probably not since he only has 8 posts as of this post.

    jmonroe
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • nyccarguynyccarguy Member Posts: 17,442

    @anono> @jmonroe1 said:

    Thanks for your help @anonymousposts2025 with a punch in here this month. I’m beginning to think we’re going to need help from outsiders like you if we’re going to top our 2023 punches for this year. Hate to have a December to remember for the wrong reason. :'(

    jmonroe

    @anonymousposts2025 used to be @anonymousposts . They (2 people) punched the CCBA Card like @breld & his wife back in the day.

    2001 Prelude Type SH, 2022 Highlander XLE AWD, 2023 Toyota Tacoma SR 4WD, 2025 Toyota Camry SE AWD

  • jmonroe1jmonroe1 Member Posts: 9,271
    nyccarguy said:

    @anono> @jmonroe1 said:

    Thanks for your help @anonymousposts2025 with a punch in here this month. I’m beginning to think we’re going to need help from outsiders like you if we’re going to top our 2023 punches for this year. Hate to have a December to remember for the wrong reason. :'(

    jmonroe

    @anonymousposts2025 used to be @anonymousposts . They (2 people) punched the CCBA Card like @breld & his wife back in the day.

    ————————————————
    OK, now I get it but I wonder why the name change?

    jmonroe
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • jmonroe1jmonroe1 Member Posts: 9,271
    @anon
    stickguy said:

    of all people, you are asking why a name change!

    ————————————————
    Yeah, but @anonymousposts disappeared for a good while. I got back on the horse almost immediately. B)

    jmonroe
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • @jmonroe1 said:

    ————————————————
    OK, now I get it but I wonder why the name change?

    jmonroe

    Couldn’t retrieve my old log-in. The email we originally used was based on a 02 Civic Si.. that’s how old it was. Had to start over with a new account. @gee35coupe is my better half. He was pretty active in here back in those days too.

  • jmonroe1jmonroe1 Member Posts: 9,271

    @jmonroe1 said:

    ————————————————

    OK, now I get it but I wonder why the name change?

    jmonroe

    Couldn’t retrieve my old log-in. The email we originally used was based on a 02 Civic Si.. that’s how old it was. Had to start over with a new account. @gee35coupe is my better half. He was pretty active in here back in those days too.

    ————————————————
    I think it was in 2018 when Edmunds did something with their log in procedures and I had to go to my new name @jmonroe1 (I used to be @jmonroe) when I first got in here in mid 2005. I lost a lot of seniority and posts but Edmunds was gracious enough to waive my dues for a few months. It’s tough to start over again as a newbie but I sucked it up and continued posting. :#

    jmonroe
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • nyccarguynyccarguy Member Posts: 17,442

    @anonymousposts2025 said:

    @nyccarguy said:
    @anonymousposts2025

    What color is your new Civic SI? Congrats! It is a 2024 or 2025?

    2025 - Platinum White Pearl

    It’s a blast to drive. Not fast, but fun. It can fit four of us in moderate comfort and is getting 35mpg so far.

    Sweet car & color! Enjoy! Summer tires too? It’s a really sharp car for less than $32K.

    2001 Prelude Type SH, 2022 Highlander XLE AWD, 2023 Toyota Tacoma SR 4WD, 2025 Toyota Camry SE AWD

  • stickguystickguy Member Posts: 53,227

    Hybridguy? Slushboxguy?

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • Sandman6472Sandman6472 Member Posts: 7,198
    Got in a whole bunch of new 2025 Hyundai Kona's at work the other day so hopefully, will be able to get some seat time in a few of them sooner then later. Think their "SEL" models but not positive...will need to get a better look at them. We've been getting in a whole slew of new vehicles lately with Pacifica's & Mitsubishi Mirage's leading the pack. Guessing they got a great deal on the Mirage's and did get to see a Mulroney sticker, $18,015.00. Sure they got a fleet discount to get an even lower price to sweeten the deal. Most branches don't seem to want them but, they drive like the appliances they are. Basic transportation, if you will.

    2023 Hyundai Kona Limited AWD (wife) / 2015 Golf TSI (me) / 2019 Chevrolet Cruze Premier RS (daughter #1) / 2020 Hyundai Accent SE (daughter #2) / 2023 Subaru Impreza Base (son)

  • qbrozenqbrozen Member Posts: 33,723
    edited December 2024

    @kyfdx said:
    It may seem that way, but it's a straightforward calculation.

    They don't determine the money factor, then calculate what APR that might be.
    They determine the APR (just like a loan), then convert it to a money factor for ease in calculation.

    As I mentioned, it's easy to understand if you do the reverse calculation.

    And... not a secret! :#

    Oh, I know the math. And I know it is straightforward WHEN YOU KNOW THE CALCULATION. My point, albeit obscured, was that they honestly could have done it in an infinite number of ways. I find it odd and humorous that this particular way somehow became so widely used.

    And, of course, as you know, there are some lenders who use an APR for leases, so the convoluted MF isn’t universal.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • MichaellMichaell Moderator Posts: 261,366

    Edmunds Price Checker
    Edmunds Lease Calculator
    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige

  • @nyccarguy said:

    @anonymousposts2025 said:

    @nyccarguy said:
    @anonymousposts2025

    What color is your new Civic SI? Congrats! It is a 2024 or 2025?

    2025 - Platinum White Pearl

    It’s a blast to drive. Not fast, but fun. It can fit four of us in moderate comfort and is getting 35mpg so far.

    Sweet car & color! Enjoy! Summer tires too? It’s a really sharp car for less than $32K.

    No summer tires. It has the Goodyear all-seasons. Fine for right now, but they will turn into Michelins when we get some use out of them.

  • tjc78tjc78 Member Posts: 16,880

    @qbrozen said:

    @kyfdx said:
    It may seem that way, but it's a straightforward calculation.

    They don't determine the money factor, then calculate what APR that might be.
    They determine the APR (just like a loan), then convert it to a money factor for ease in calculation.

    As I mentioned, it's easy to understand if you do the reverse calculation.

    And... not a secret! :#

    Oh, I know the math. And I know it is straightforward WHEN YOU KNOW THE CALCULATION. My point, albeit obscured, was that they honestly could have done it in an infinite number of ways. I find it odd and humorous that this particular way somehow became so widely used.

    And, of course, as you know, there are some lenders who use an APR for leases, so the convoluted MF isn’t universal.

    Ford uses APR not sure who else.

    2025 Ram 1500 Laramie 4x4 / 2023 Mercedes EQE 350 4Matic

  • MichaellMichaell Moderator Posts: 261,366
    tjc78 said:

    @qbrozen said:

    @kyfdx said:

    It may seem that way, but it's a straightforward calculation.

    They don't determine the money factor, then calculate what APR that might be.

    They determine the APR (just like a loan), then convert it to a money factor for ease in calculation.

    As I mentioned, it's easy to understand if you do the reverse calculation.

    And... not a secret! :#

    Oh, I know the math. And I know it is straightforward WHEN YOU KNOW THE CALCULATION. My point, albeit obscured, was that they honestly could have done it in an infinite number of ways. I find it odd and humorous that this particular way somehow became so widely used.

    And, of course, as you know, there are some lenders who use an APR for leases, so the convoluted MF isn’t universal.

    Ford uses APR not sure who else.


    Lincoln (duh!).

    Mitsubishi used to, before they switched banks to Santander.

    Edmunds Price Checker
    Edmunds Lease Calculator
    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige

  • stickguystickguy Member Posts: 53,227

    The local Mitsubishi dealers around the corner from me (where old farmer got his Eclipse). Every time I go past I am shocked that they are still in business.

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • explorerx4explorerx4 Member Posts: 20,634
    There's a YT guy who makes videos about buying/selling high end used cars.
    He has a Mitubishi dealership, probably just for the license.
    2024 Ford F-150 STX, 2023 Ford Explorer ST, 91 Mustang GT vert
  • oldfarmer50oldfarmer50 Member Posts: 24,137
    stickguy said:

    Hybridguy? Slushboxguy?

    I would be retiredfarmer50.😬

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • oldfarmer50oldfarmer50 Member Posts: 24,137

    Got in a whole bunch of new 2025 Hyundai Kona's at work the other day so hopefully, will be able to get some seat time in a few of them sooner then later. Think their "SEL" models but not positive...will need to get a better look at them. We've been getting in a whole slew of new vehicles lately with Pacifica's & Mitsubishi Mirage's leading the pack. Guessing they got a great deal on the Mirage's and did get to see a Mulroney sticker, $18,015.00. Sure they got a fleet discount to get an even lower price to sweeten the deal. Most branches don't seem to want them but, they drive like the appliances they are. Basic transportation, if you will.

    I drove a Mirage today and once you got used to the pointing and laughing…it was ok.🤣

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

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