Real world monthly payments

[Chance_P]

If you don't mind, what is your purchase price at the end of the lease?

68% residual, but I won't be buying it out unless it holds 75% or more at 39 months. And even then it will just be to sell privately or trade in towards another.

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[Yellow1098]

Where in the world did you find this lease on a rubi? Iv been getting worse numbers on sports....send me the dealer info and I'm game!

 

[Chance_P]

Where in the world did you find this lease on a rubi? Iv been getting worse numbers on sports....send me the dealer info and I'm game!

@spenchey


^thats the man to talk to. Keep in mind, my build was a minimally optioned Rubicon with an MSRP of 50,225.

 

[spenchey]

Where in the world did you find this lease on a rubi? Iv been getting worse numbers on sports....send me the dealer info and I'm game!

Drop me an email [email protected] if you're looking to lease, we would have to order one but I can protect rate or residual so I can't guarantee you what you're payment will be by the time delivery happens

 

[Yellow1098]

Chance......a low option rubicon sounds perfect to me...what does it not have?

Spence...just sent you an email....thanks in advance for all your help!

 

[Chance_P]

Chance......a low option rubicon sounds perfect to me...what does it not have?

Spence...just sent you an email....thanks in advance for all your help!

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The only thing I regret is not getting the factory LED lights.

 

[Radioactivesob]

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The only thing I regret is not getting the factory LED lights.

Why do you wish you had the LED lights? I’ve been going back and forth on them.

 

[Pat2Alaska]

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The only thing I regret is not getting the factory LED lights.

I would have rather not got the factory LEDs. There are after markets with heating elements and where we live that will be a huge asset in snow/ice storms!

 

[Yellow1098]

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The only thing I regret is not getting the factory LED lights.

So those are what you did get or you didn't get? Sorry I'm alittle slow

 

[Ole Cowboy]

What life has taught me:

Fixed payments of any kind are a bane of people because our expenses fluctuate every month but our fixed payments don't. I used to go for short auto loans and big payments, but I found that caused a lot of juggling some months due to unexpected demands on my expense side of the ledger.

So what I do now is go for long term payment plans, giving me smaller payments. So now end up with a monthly fixed of say $700, when my payment on the short stick was going to be $1200. Since I pay bills electronically thru my bank I set up the account for a $1200 mtly payment. THen when something unexpected pops up, like I need to cough up for a new HVAC system at $12k and no interest option if I pay out in 6 months, then I grab it and adjust my monthly car note back to the $700 for 6 mo.

What this does is smooth out the monthly ups and downs in expenses. That said it does require DISCIPLINE. You cannot take on additional long term debt and your goal has to be to make the big payment every month.

In addition:

I have found over the years and a good friend who was my banker that paying down that car as fast as possible is good and its almost like having cash in the bank. Wife says I want to remodel the kitchen. You shop, budget it out and it's gonna be about $12k. That Jeep out there in the driveway paid off is worth $28k! you take the title go see your friendly banker and tell him you want $12k loan on you paid off Jeep with a long value of $24k...can you say LOW % rate. I have done this many time, built pools, remodeled you name it...try to get a pool or remodeling loan...today quoted rates:

Apply anytime and get funds fast

• APR: 6.16% - 35.89%
• Loan Term: 36-60 months
• Credit Score: Fair/Good/Excellent

 

[Chance_P]

I would have rather not got the factory LEDs. There are after markets with heating elements and where we live that will be a huge asset in snow/ice storms!

I did not realize OEM headlights don't have heating elements. Looks like I'm going to order a second set of halogen housing and do an HID retrofit. Did that on my JK with 3" G5-R projectors and it blew everything else I compared them to away.

 

[Ole Cowboy]

I did not realize OEM headlights don't have heating elements. Looks like I'm going to order a second set of halogen housing and do an HID retrofit. Did that on my JK with 3" G5-R projectors and it blew everything else I compared them to away.

My Airline Pilot buddy calls me up and asked me to come over Sat afternoon to help him install a set of driving lights. I get there they are not driving light, they are LANDING lights. Anyhow we get them crammed in the opening of his '73 Corvette.

We finally got it sorted out and grabbed some burgers and he said I know a nice long flat road we can try those out. Its a long stretch, slightly uphill on Hwy 114 W. It's a dark night and those lights lit up the world. Way out there a car crests the hill and my buddy says I am going to wait till he starts flashing his lights at me before I hit the kill switch to see how far away.

We are running about 60 and the car flashes his lights, well my buddy wants to wait till he is really flashing them. Another flash, then a couple in a row then a bunch, then the Red/Blue's come one. It's a Deputy Sheriff and he is NOT impressed. My buddy gets a handful of tickets, Reckless driving, Failure to Dim, and something else along with an on the spot inspection of his car, brake lights trun signals etc. Not a good night.

 

[Chance_P]

My Airline Pilot buddy calls me up and asked me to come over Sat afternoon to help him install a set of driving lights. I get there they are not driving light, they are LANDING lights. Anyhow we get them crammed in the opening of his '73 Corvette.

We finally got it sorted out and grabbed some burgers and he said I know a nice long flat road we can try those out. Its a long stretch, slightly uphill on Hwy 114 W. It's a dark night and those lights lit up the world. Way out there a car crests the hill and my buddy says I am going to wait till he starts flashing his lights at me before I hit the kill switch to see how far away.

We are running about 60 and the car flashes his lights, well my buddy wants to wait till he is really flashing them. Another flash, then a couple in a row then a bunch, then the Red/Blue's come one. It's a Deputy Sheriff and he is NOT impressed. My buddy gets a handful of tickets, Reckless driving, Failure to Dim, and something else along with an on the spot inspection of his car, brake lights trun signals etc. Not a good night.

Reminds me of my old Grand Cherokee, when I threw HID bulbs in a halogen housing without a projector. I had a lot of people flash me, but luckily was never pulled over. I'm a little bit older, and a lot wiser now. I just shake my head when I see people with blinding lights on road these days..

 

[rvillano8188]

What life has taught me:

Fixed payments of any kind are a bane of people because our expenses fluctuate every month but our fixed payments don't. I used to go for short auto loans and big payments, but I found that caused a lot of juggling some months due to unexpected demands on my expense side of the ledger.

So what I do now is go for long term payment plans, giving me smaller payments. So now end up with a monthly fixed of say $700, when my payment on the short stick was going to be $1200. Since I pay bills electronically thru my bank I set up the account for a $1200 mtly payment. THen when something unexpected pops up, like I need to cough up for a new HVAC system at $12k and no interest option if I pay out in 6 months, then I grab it and adjust my monthly car note back to the $700 for 6 mo.

What this does is smooth out the monthly ups and downs in expenses. That said it does require DISCIPLINE. You cannot take on additional long term debt and your goal has to be to make the big payment every month.

In addition:

I have found over the years and a good friend who was my banker that paying down that car as fast as possible is good and its almost like having cash in the bank. Wife says I want to remodel the kitchen. You shop, budget it out and it's gonna be about $12k. That Jeep out there in the driveway paid off is worth $28k! you take the title go see your friendly banker and tell him you want $12k loan on you paid off Jeep with a long value of $24k...can you say LOW % rate. I have done this many time, built pools, remodeled you name it...try to get a pool or remodeling loan...today quoted rates:

Apply anytime and get funds fast

• APR: 6.16% - 35.89%
• Loan Term: 36-60 months
• Credit Score: Fair/Good/Excellent

Or you just do a home equity at 5.5% and write off the interest (pending its for home improvement or your first lien due to the new tax law). In the banking industry, you’re gonna find that lending against a vehicle has become increasingly rare due to the volatility in value post recession.

 

[Ole Cowboy]

Or you just do a home equity at 5.5% and write off the interest (pending its for home improvement or your first lien due to the new tax law). In the banking industry, you’re gonna find that lending against a vehicle has become increasingly rare due to the volatility in value post recession.

The paperwork requirement and other requirements such as appraisal etc are not worth the effort IMO.

If you need a small amount of money for a short time frame and you have significant equity in your vehicle and you want less than half of the vehicles wholesale worth I have got rates less than 3%.

It is also simple, go to the bank where its financed or bring in the title and walk out with a check in less than 30 min.

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