Zero2Cool
13 years ago
In Good condition, KBB says the trade-in value is $10,925 ... that moped idea is looking better and better.
UserPostedImage
DakotaT
13 years ago

In Good condition, KBB says the trade-in value is $10,925 ... that moped idea is looking better and better.

Originally Posted by: Zero2Cool 




And how much to pay off the current loan?
UserPostedImage
Rockmolder
13 years ago
I'll start off by applauding Dakota and ZS for the advice.

That's like a maffia-loan you've taken there. 15%? That's monstrous.

I reckon that you'll be paying the same amount monthly? The nice cars salesman was right then, I reckon, that you'll be paying $40,- per month on average, but you'll start off with some ridiculous payments, excisting mainly out of rent and very little in the way of actually paying off your debt.

Anyway, hope you get out of this crap! Best of luck to you, Kevin!
Zero2Cool
13 years ago

And how much to pay off the current loan?

Originally Posted by: DakotaT 



$10,500
UserPostedImage
DakotaT
13 years ago

$10,500

Originally Posted by: Zero2Cool 




You're in no position to be wheeling and dealing on a different vehicle. Drive what you have and get it paid off as soon as you can. Then if you feel you want to upgrade go ahead.

Shuffling papar costs a lot of money. Those boys are all criminals.

You should come up for some beekeeping. Remember, Old man Dakota might be an asshole, but he has your best interest at heart.
UserPostedImage
Zero2Cool
13 years ago

You're in no position to be wheeling and dealing on a different vehicle. Drive what you have and get it paid off as soon as you can. Then if you feel you want to upgrade go ahead.

Shuffling papar costs a lot of money. Those boys are all criminals.

You should come up for some beekeeping. Remember, Old man Dakota might be an asshole, but he has your best interest at heart.

Originally Posted by: DakotaT 



If I trade it in for a broom, give the broom to my daughters mother an take her car. I should break even, right?
UserPostedImage
DakotaT
13 years ago

If I trade it in for a broom, give the broom to my daughters mother an take her car. I should break even, right?

Originally Posted by: Zero2Cool 



I think you're way beyond the point of breaking even with Broomhilda.

.
UserPostedImage
Zero2Cool
13 years ago

I think you're way beyond the point of breaking even with Broomhilda.

Originally Posted by: DakotaT 




Good point. Only way she'd accept a broom from me is if she gets to take a few swings first.
UserPostedImage
Zero2Cool
10 years ago

You're in no position to be wheeling and dealing on a different vehicle. Drive what you have and get it paid off as soon as you can. Then if you feel you want to upgrade go ahead.

Shuffling papar costs a lot of money. Those boys are all criminals.

You should come up for some beekeeping. Remember, Old man Dakota might be an asshole, but he has your best interest at heart.

Originally Posted by: DakotaT 



So, two later and now I have just over $7,300 left. My interest rate is 15.57% wowsa.


Age of Credit History I have a D on because my oldest account is only 3 an half years old. If I pay the car loan off early, how would this effect my credit rating/score?

Average Account Age 2 Yrs 10Mos
Oldest Open Account 3 Yrs 5 Mos
Newest Open Account 2 Yrs

Jun 25, 2010 - two student loans
Mar14, 2011 - car
Dec 7, 2011 - credit card

There's a second credit card, but can't find when it was opened. I only use one card and only use it for gas just to keep it active.
UserPostedImage
olds70supreme
10 years ago

If I pay the car loan off early, how would this effect my credit rating/score?



I wouldn't worry about the effect on your credit score. Think of credit as a crutch that should be everybody's goal to get rid of. Even if it somehow hurt your credit score to pay it off early you will be miles ahead in terms of $. Paying it off early will be one step closer to getting rid of the crutch, and once you are rid of it it wouldn't matter what your credit score was, right? Credit scores will only matter to those that need the crutch. Look at the money you are paying on interest. Once the loan is paid off you can still make those "payments" to your savings. By the time it comes to buy another car you should be able to pay cash.

**Full disclaimer** I have loans (student and mortgage), but am focused on paying them off aggressively.
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