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Who has their truck Paid off?

View Poll Results: Is your truck paid off...
Yes 2,014 49.05%
NO 1,848 45.01%
Someone else paid it off for me... and i can admit it. 244 5.94%
Voters: 4106. You may not vote on this poll

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Old 08-22-2013, 10:37 PM   #1341
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Lifestyles of the broke and famous. Most people can't afford to pay $30k cash for a new car, some of us can, but if your cash makes better interest in the bank then in a vehicle that loses money, depreciates, then finance at the good rates, 0%, 0.9%, even 1.9%.
I f-n hate interest and credit, but credit is important and financing a vehicle is a good way to establish credit history, i.e. make your payments on time kids!!
We paid cash for the tacoma, since it was used, the best rate around at the time was 2.5%-2.9%. So you figure asking $29k for truck, 48 months, around $1800 in interest, insurance is a bit higher on financed vehicles, a hundred or so over 4 years. It wasn't worth it at the time, since the market was sucking and I wasn't pulling much from investments short term. I would have been pretty close, a few hundred difference between financing and cash, but haggled $4k off of price by paying cash, (which isn't always the case, most dealerships want you to finance, they make more money) got the upgraded warranty, and I was happy and no payments and I have the title in hand.
But on the other hand, the wifey's new car, 0% apr, 60 months, why not? Even at 0.9%, your money is better drawing interest in the bank. (Bank of the internet is 1.25% on checking by the way)
Be smart with your $$$ and you can make money where most people throw it away. We manage to make over a thousand a year off of credit card rewards. It takes a little time, but once you learn and have a system, you can make bank if your responsible!
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Old 08-23-2013, 06:39 AM   #1342
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chas44 is a splendid one to beholdchas44 is a splendid one to beholdchas44 is a splendid one to beholdchas44 is a splendid one to beholdchas44 is a splendid one to beholdchas44 is a splendid one to beholdchas44 is a splendid one to behold
 
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I financed mine, saving the cash for when I graduate from my MBA program in two years since that has the higher interest rate and throwing as much as I can at that.

I plan on keeping the truck a long while so payments aren't too big of a concern. I came from a 2010 Jeep GC that I never felt had the reliability of the Tacoma and that thing depreciated beyond belief, but luckily broke even. At 80K miles I just didn't see it taking me 6 years without hassles. I have had Tacomas in the past and they are bulletproof when maintained right. I'd be happy to keep this 10 years and call it a day.
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Old 08-30-2013, 02:02 PM   #1344
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g35man has much to be proud ofg35man has much to be proud ofg35man has much to be proud ofg35man has much to be proud ofg35man has much to be proud ofg35man has much to be proud ofg35man has much to be proud ofg35man has much to be proud ofg35man has much to be proud of
 
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My 07 is paid off now, just have my 2012 to go.
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Old 08-30-2013, 02:05 PM   #1345
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I just paid off my first payment on my 2013, whew glad I dont have to do that again.... DOH
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Old 08-30-2013, 02:21 PM   #1346
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redcbs is just really niceredcbs is just really niceredcbs is just really niceredcbs is just really niceredcbs is just really nice
 
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Financed to earn the college incentive in 2011. Paid it off a few months later. The new toy though, that will be financed.
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Old 09-06-2013, 12:27 PM   #1348
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jethro is one of the sharper tools in the shedjethro is one of the sharper tools in the shedjethro is one of the sharper tools in the shedjethro is one of the sharper tools in the shedjethro is one of the sharper tools in the shedjethro is one of the sharper tools in the shedjethro is one of the sharper tools in the shedjethro is one of the sharper tools in the shedjethro is one of the sharper tools in the shedjethro is one of the sharper tools in the shedjethro is one of the sharper tools in the shed
 
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TFS Payoff Information 2013 TOYOTA TACOMA $28,267.45 Good Through 9/16/2013
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Old 09-06-2013, 08:04 PM   #1350
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Polymerhead is one of the sharper tools in the shedPolymerhead is one of the sharper tools in the shedPolymerhead is one of the sharper tools in the shedPolymerhead is one of the sharper tools in the shedPolymerhead is one of the sharper tools in the shedPolymerhead is one of the sharper tools in the shedPolymerhead is one of the sharper tools in the shedPolymerhead is one of the sharper tools in the shedPolymerhead is one of the sharper tools in the shedPolymerhead is one of the sharper tools in the shedPolymerhead is one of the sharper tools in the shed
 
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3 of 5 years paid. Will have my '10 paid off in '15 with about 54k miles on it. Hope to drive it for another 5 years after that with no payment.
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Old 09-06-2013, 09:30 PM   #1351
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2013 Tacoma 4X4 TRD Off Road

Paid off in one month!!!!
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Old 09-07-2013, 12:27 AM   #1352
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Nfurtado77 is one of the sharper tools in the shedNfurtado77 is one of the sharper tools in the shedNfurtado77 is one of the sharper tools in the shedNfurtado77 is one of the sharper tools in the shedNfurtado77 is one of the sharper tools in the shedNfurtado77 is one of the sharper tools in the shedNfurtado77 is one of the sharper tools in the shedNfurtado77 is one of the sharper tools in the shedNfurtado77 is one of the sharper tools in the shedNfurtado77 is one of the sharper tools in the shedNfurtado77 is one of the sharper tools in the shed
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I was just messing around on the dodge website and you can finance a charger for 96 months .The way I see it is unless you have the money in the bank getting interest you have no buisness financing for 5+ years.
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Old 09-07-2013, 04:33 AM   #1353
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toyo8696 is one of the sharper tools in the shedtoyo8696 is one of the sharper tools in the shedtoyo8696 is one of the sharper tools in the shedtoyo8696 is one of the sharper tools in the shedtoyo8696 is one of the sharper tools in the shedtoyo8696 is one of the sharper tools in the shedtoyo8696 is one of the sharper tools in the shedtoyo8696 is one of the sharper tools in the shedtoyo8696 is one of the sharper tools in the shedtoyo8696 is one of the sharper tools in the shedtoyo8696 is one of the sharper tools in the shed
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Title's in the safe!
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Old 09-07-2013, 04:41 AM   #1354
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bigtaco06 is one of the sharper tools in the shedbigtaco06 is one of the sharper tools in the shedbigtaco06 is one of the sharper tools in the shedbigtaco06 is one of the sharper tools in the shedbigtaco06 is one of the sharper tools in the shedbigtaco06 is one of the sharper tools in the shedbigtaco06 is one of the sharper tools in the shedbigtaco06 is one of the sharper tools in the shedbigtaco06 is one of the sharper tools in the shedbigtaco06 is one of the sharper tools in the shedbigtaco06 is one of the sharper tools in the shed
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71 payments to go!!!
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Old 09-07-2013, 09:37 AM   #1355
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4 years early
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Old 09-16-2013, 05:13 PM   #1357
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Wink

paid in full when in purchased
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Old 09-16-2013, 05:15 PM   #1358
the habs fan
bulhas is one of the sharper tools in the shedbulhas is one of the sharper tools in the shedbulhas is one of the sharper tools in the shedbulhas is one of the sharper tools in the shedbulhas is one of the sharper tools in the shedbulhas is one of the sharper tools in the shedbulhas is one of the sharper tools in the shedbulhas is one of the sharper tools in the shedbulhas is one of the sharper tools in the shedbulhas is one of the sharper tools in the shedbulhas is one of the sharper tools in the shed
 
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i guess you could say mine is paid for
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Old 09-16-2013, 05:31 PM   #1359
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SSG665 has a spectacular aura aboutSSG665 has a spectacular aura aboutSSG665 has a spectacular aura about
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Since the day it rolled off the lot!!Oct 02.
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Old 09-16-2013, 08:14 PM   #1360
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Colt562 is one of the sharper tools in the shedColt562 is one of the sharper tools in the shedColt562 is one of the sharper tools in the shedColt562 is one of the sharper tools in the shedColt562 is one of the sharper tools in the shedColt562 is one of the sharper tools in the shedColt562 is one of the sharper tools in the shedColt562 is one of the sharper tools in the shedColt562 is one of the sharper tools in the shedColt562 is one of the sharper tools in the shedColt562 is one of the sharper tools in the shed
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made my first payment today, only 58 more to go
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