For Sale Most recent 200 Series purchase prices

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Steve1 said:
I've been watching 2018+ for about six weeks now. IMO, about $65K would be in the right ballpark. Depends on how much CPO means to you. To me, if all maintenance records are in place, I wouldn't pay extra for CPO.
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Yeah 65k seems about right. And agreed that CPO doesn’t really matter to me if maintenance is good. I’ll throw them and offer and see. Hard to know what’s going to happen but seems like prices are starting to soften. Although, I can’t imagine they will go down that much in the next year (our buying time frame).
 
Been looking at this one in SLC and was going to get my brother in law to look at it. They finally sent me undercarriage pictures. Not horrible but given the price/miles and it being across the country going to pass. Been sitting on the lot for a while so may be able to talk them down a bit if anyone is interested

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Just an unsolicited musing here, but have you all noticed how unsuccessful sellers have been in this forum lately?
 
Blackford Oakes said:
Just an unsolicited musing here, but have you all noticed how unsuccessful sellers have been in this forum lately?
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That seems to be the case across all series. Just the nature of the crowd here!
 
It gets me thinking...

For people like me who will be financing a portion of the purchase price of whatever 13-15 I purchase, these higher interest rates really come into play. USAA won't give me (790 FICO) any less than 8.69% on a loan buying from and individual and not less than 7.44% from a dealer, and that's for any vehicle older than 2015. That's very pricey and the thought of throwing that much money away on interest doesn't sit well with me. Now I'm sure they're plenty of cash buyers out there, but I wonder how much of the market that is.

I just wonder if this could be stalling sales and driving prices down.
 
Blackford Oakes said:
It gets me thinking...

For people like me who will be financing a portion of the purchase price of whatever 13-15 I purchase, these higher interest rates really come into play. USAA won't give me (790 FICO) any less than 8.69% on a loan buying from and individual and not less than 7.44% from a dealer, and that's for any vehicle older than 2015. That's very pricey and the thought of throwing that much money away on interest doesn't sit well with me. Now I'm sure they're plenty of cash buyers out there, but I wonder how much of the market that is.

I just wonder if this could be stalling sales and driving prices down.
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Have you done the math on that? What is the actual cost to you to finance at that rate?
 
a200 said:
Have you done the math on that? What is the actual cost to you to finance at that rate?
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I have. It depends on the term, of course. USAA has a very useful auto loan calculator that breaks it down.

Let's say your budget is $45K for 13-15 TLC. You have $15k cash and you finance $30K for 48 months. At 8.69%, the loan itself costs you over $5600.
 
Blackford Oakes said:
I have. It depends on the term, of course. USAA has a very useful auto loan calculator that breaks it down.

Let's say your budget is $45K for 13-15 TLC. You have $15k cash and you finance $30K for 48 months. At 8.69%, the loan itself costs you over $5600.
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Not saying the rising rates are having no effect (they definitely are) but probably much less so than many are guessing - especially when we are still in a very sparse inventory environment. 8.69% is still far off historic highs and if you do the math that is about ~$3,000 or $50/month (on a 60 month loan) more over the entirety of the loan than we were paying a few years ago. It should, but I doubt that $50/month is weighing heavily on a lot of car purchase decisions.
 
Yikes that's a pretty high rate - my credit union has used car rates at 2.99 for 36 months and 3.24 for 48 months and move up slightly from there depending on adding more years.
 
Blackford Oakes said:
I have. It depends on the term, of course. USAA has a very useful auto loan calculator that breaks it down.

Let's say your budget is $45K for 13-15 TLC. You have $15k cash and you finance $30K for 48 months. At 8.69%, the loan itself costs you over $5600.
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USAA has been crap lately. My local credit union is still in the 3’s
 
eljefe83 said:
USAA has been crap lately. My local credit union is still in the 3’s
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USAA in general has gotten too big for their britches. Quality of service has dropped dramatically in my 16 years of membership.
 
eljefe83 said:
USAA has been crap lately. My local credit union is still in the 3’s
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777Gage said:
Yikes that's a pretty high rate - my credit union has used car rates at 2.99 for 36 months and 3.24 for 48 months and move up slightly from there depending on adding more years.
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I need to get the contact info for your credit unions. I've shopped rates at the one I'm a member of and another here in town and they don't want to finance a 2013 for more than 36 months.

prwillard2 said:
USAA in general has gotten too big for their britches. Quality of service has dropped dramatically in my 16 years of membership.
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I was thinking that too, although I typically get lucky with customer service - they're all usually pretty friendly.

Their insurance rates are still pretty competitive, I have to say.
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I appreciate all the replies, boys. I'm plugged in to all the typical car buying tools: TruCar, Gurus, AutoTrader and Cars.com, but keep me in mind if you see a 2013-2015 in the $45k-$48k range under 100K.
 
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