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Hello newbie here! I want to check and see if I am getting a reasonable deal. Here is what I got so far. DEALER: CJD Trade in: 2007 Dodge Nitro SLT 2WD standard options with 46,000 miles. No mechanical issues. Used Car: 2006 Jeep Commander Sport 3.7 L V6 4x4 (Silver) Mileage: 30,000 Options: Leather Seats (Gray) Heated Driver and Passenger Seats Luggage Rack Back up Sensors Adjustable Pedals Sunroofs Alloy wheels 1yr Satellite Radio Dealer Perks: Free Standard Tires for life as long as I own the vehicle. Upgrades allowed just need to pay the difference. Free emissions inspections for life Balance of 8-Year/80,000-mile limited warranty 3-year/3,000 mile bumper to bumper warranty CARFAX and AUTOCHECK both came back clean. THE NUMBERS: KBB TRADE VALUE: 12,000 Fair NADA TRADE VALUE: 12500 Average KBB USED VALUE: 19,500 NADA USED VALUE: 19,575 Purchase ORDER: Asking Price: $22,191 Trade in Value: $15,541 Cash Difference: $6,650 ohio TX:399 License Trans. $138.50 Balance of Previous Loan: $15,541 Out the Door: $22,728.50 Payments now $404 after $375 Obviously the dealer has brought up the price of the used car and shown me full trade by paying off my loan. However, all dealers I have been to have come out around the same for a 07 Cherokee and 07 Commander. Both are basic models and similar mileage. The numbers change of course by them offering me less for my trade and less for the car. I just want to make sure I am not getting ripped off. I am not concerned about power. I don't need a V8 in order to get to and from 'work and small trips. Í like the look believe it or not, and so does the one who will be driving. My wife!
Its actually lower payments. Going from 404 to 375. The car retails with those options at 19,500. My trade values at 12,500. I am not really paying 22,700 for the car, they are just hiding the inequity of the car in the price. It just looks better to the bank. I have tried several dodge dealers and cant get even a similar deal. Most are offering 8 to 10 grand for my nitro. My two goals were to get my wife into a 4x4 and lower my payments. Her goals was to get into a 4x4 and love the vehicle. Looks good, just wanted to get some advice.
The car on carmax does not have the same options. Leather adds a few hundred dollars, heated seats adds a few, sun roof adds a few. Plus if you look, thats a "NO HAGGLE PRICE" I agree that moving the dept is bad. I dont like it. But I have to... correction...i would like to get my wife into a 4x4. The nitro's two wheel drive was just horrible even with snow tires. _I bought it in florida if your asking why" It does lower my payments even though my dept is going up. I could go with cheaper 4x4 yes, but then I sacrifice size. hmm. dont know. I am still dealing with other dealers.
It's not a terrible deal based on the numbers. However, that assumes that this is the right thing to do. I really don't think it is. What you are doing is taking a car that you are already upside-down in and pushing that debt over to the new car. Why? This is how people get into big financial trouble. They refinance bad debt on another depreciating asset.
Paying $22,700 for a 4 year old Jeep sounds like a terrible plan to me. What are you gaining by spending an additional $7000 for the Jeep that you don't have now with the Dodge?
Getting that car for $22,100 is a total ripoff. Even a place like Carmax, who notoriously overprices their used cars, has a similar car that is a 2007 model for $18,849. You should be getting this car for around $17,000.
Bottom line is its not a horrible deal and if it makes your wife happy, even better deal. if you can live with the increased payment. its not a bad deal