1st Gen Lunchtable Thread - General Discussion

if they are accurate I could snipe 2.24 interest which is a drop from the 4.75 I'm at

https://www.myautoloan.com/interest-rate-chart.html

 

Sorry, that's just all your own money

 

As long as you're not refinancing for a longer term versus the remainder number of payments.

Really, I'd opt to go even less IE you owe 48 payments, refinance for 36 months instead.

Even refinancing for the same term of payments left...it may not benefit.

Your contract will list out your total finance charge over the course of your loan; based on your initial amount financed versus how much you owe now, and the number of payments made, you can figure out how much interest you paid versus how much interest you have left over the life of the loan. From there, figure out how long you'll realistically take to pay off versus how much interest you'll pay on the new loan.

Even at a lower rate, you might not even save money refinancing.

Just an FYI...

 

On a simple interest loan, interest is based on the amount owed entering that year IE you owe the most at the beginning, you owe less the year after, and so on. That's why its called annual percentage rate.

I can take this to PMs if anyone needs.

 

that's a lot to chew on, i'll have to do some more research

using a basic calculator I would save about $75 mo if I refi for the same length as I have remaining due to the change in interest

 

You got my number, and I only do this for a living

 

yeeeee I will look into it some more and let you know


i am starting to refi my house because it's gonna save me a bit and was curious about the truck loan also

 

Or I can give you Ana's number; she was on her way to become a branch manager

Speaking of, her balloon is still alive and she sent me a text on Christmas and New Years; I didn't reply

 

Not from what I know.

I think per @Sperrunner I only gotta undo the uca and the sway bar. After compressing the spring I should be able to droop it out and let it fall. Just don't wanna do it for the day or pay 80 for the alignment haha

 

she's cute but too far

 

she dropped some coin on that nice balloon

 

Its officially lasted longer than any relationship I've been in

Congrats on the balloon???

 

Ah, a case of the I don't wannas.

Been having that since I had COVID. I'm at work like fuck this shit

Least it sounds easy enough for you to do; it gets old quick working on a truck out in the open.

Most expensive balloon I've ever gotten

 

gotta keep sharp objects away from the lovely ladies

Spoiler: nsfw

 

The real test is if the balloon will still be up there once Dallas gets his LT installed

 

The fact these were a thing disgusts me

 

never had a broken condom huh

 

Don't need condoms if she's got a contraceptive implant

 

@Kwikvette just yankin your chain, I make my quesadillas the right way



All this talk make me hungry for one

 

I no longer cut them with a window screen roller though so that's good