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Old 09-14-2006, 04:07 PM
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missing23 missing23 is offline
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Join Date: Feb 2002
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Originally Posted by swordfish View Post
Yes, but you really need to do the math to determine if it is worth it to you to put money down to reduce the cap cost.. thus reducing your monthly payment.. (I don't worry about totaling the car.. i'm an optimist
You are also making a mistake...if you are so worried about the payment amount and putting money down finance it with a 'normal' loan...or pay cash.

Why are people so hung up on payment amount? IMO, if you have to keep a payment to a certain figure you probably shouldn't be buying that car as these kind of people are likely spending every last cent of money they make per month.

Are you worried if you kept that few K around you would spend it? Put that money in some interest bearing account and draw it out when you need it to help with the higher payments.

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