Whip totaled. Need ideas on a new car

[Freedman]

10-12 Camry or Accord should probably hit you for like the 10k but it's gonna be dependable for a long time

 

[Rich Spirit]

get a 2010 lexus gs 450 that's an affordable luxury whip

yea you can find a 3rd gen Lexus GS (preferably 2008-2011) for less than $20K with decent mileage, plus its made from Toyota so you know you'll get great reliability.

 

[BlackDynamite310]

Tesla model 3

 

[Collateral]

And another thing, late models are outta the question.

I said the most affordable car that you wouldn't be ashamed to pick up a date.

Thanks to the breh that said Accord but didn't mention year

Acura TSX. The generation from 04-08. It's affordable, its luxury, and its reliable because it's basically an Accord. You can find an 06 with like 72k miles on it for like 8 grand. Pay an independent mechanic $100-150 to do a pre purchase inspection for you whenever you buy used. Honda/Acura are known for their transmissions, especially during that generation of Accords/TL/TSX, but that's pretty much the only knock on them. I think it'll be perfect for you situation.


Heres the perfect example of what I'm talking about in my area Used Acura TSX For Sale - CarGurus

 

[Circle p]

How about you learn to drive better before you get a nice car.

 

[Astroslik]

nikka hasn't even posted a budget amount the entire thread and expects us to recommend him a car smh

 

[Icantspell]

2015 E class

 

[King Sun]

CTS V

 

[Bunchy Carter]

What if my credit isn't the best? What Apr should I be looking for?

I need my payments to be as low as possible.

Obviously I wanna put down as much as possible

How bad is your credit?

It would be best if you can get a loan through a credit union, because they will have a better APR than the dealer. Also, a good APR for a used car is around 3 to 5 percent, but it depends on how bad your credit is.

If you get approved through the credit union, you can use that as a negotiation chip, to have the dealer try to beat the credit unions APR offer. If the cresit union gives you 4.89%, the dealer will probably offer you 3.25%. It's a win win situation.

Also, do not talk about you how you want a low monthly payment, that's a car negotiation trick. Also, do not mention your down payment, nor the fact that you have been approved through your credit union. First talk about the car price first. If the car your looking at is 30k, try to get it for 20-25, before taxes.

The best way to lower your payment is to lower the price of the car.

Best Used Cars for $25,000 and Less

10 Best Used Family Cars Under $15,000 - Kelley Blue Book