help guys, i just bought the 350z and...

ok i just bought a 350z, from a local dealership, its a 05 yellow, 4800mi.
ok they lowered the price to like $22,500, i put $2100 down, and bought at 8.89% rate. now it says financed amount its like ~$27000, but the the right of that it says ~$35,000and the it adds my money down $2100 and ~$35,000, ending up at $37,000. i bought the car with a 72 month plan 490 a month...do you guys know why its sooo freaking high? i though i agreed at 22 and not freaking 15k more.. i really dont know what to do, and if worst comes to worse i have to return the car, which i rather end up paying for it, but my mom doesnt want me to!!
i dont know what to do =(, do you guys think there is a mistake in the paper work, cause we financed an srt4 first, maybe data got mixed up, or do you guys think that sounds about right for a total price?
thanks alot

at 490 a month after 72 months you will have paid 35,280.00. that sounds right

remember your financing for 72 months THAT is what is killing you. the stuff on the right is what you will have paid at the end of 72 months.

when you buy stuff on credit the longer you have it as a loan the more you end up paying for it because of the intrest.

your gettign the intrest at 8.8 is REALLY good so i wouldnt knock it if you like the car. you always end up paying more for it on a loan.

oh and once youve signed the papers and drove away from the lot THERE IS NO COOLING OFF PERIOD. you cant take it back unless in the state your in allows it (california doesnt you buy it your stuck)

no, ok apr, is when they add 8.895 of the total unpaid value of the car, and add it to the what you owe every year.... well, if you are good at math, then you can calculate it being around 28, see i financed the srt-4 and it ended up being like 29 and it was like a grand more than the z... i dont know i took it back, im going to go to an auction pretty soon and check out the cars there....
then ill take that and trade it in for that z or an srt4 i like those, there are pretty quick, i test drove it too, was fast....
i think they got the numbers mixed up, like the guy wrote down 28 as for what i would end up paying after 72 months, and then it ends up beeing around 35.9k plus the money down, which sounds like what he did, i dont know man, im just glad its all over

if i was good at math????? take your 490 a month and TIMES IT BY 72 and you get 35280.00 not no 28000 . you go by what your monthly payment is and thats how you tell how much you pay at the end. if the amount was around 388 a month (a whole hunderd less and with a lower interest rate) then you will have paid around 28000.
AND its not 8.8 for just the amount. that 8.8 it interest PER YEAR on the amount you have jesus have you not had some sort of loan like a credit card. with 8.8 interest you got a good deal on that car to bad YOU CANT DO MATH you would have realized this.




kids they think they know everything

i still dont get it though, why was the srt 29 and it was the sticker was 23, 29 after 5years of payments, and the z was 22 sticker, and paying 38 ...
thats what i why i think the are trying to screw me... and i have asked a bunch of ppl and they all say that that doesnt sound right..

yes exactly 5 years on the one and 6 on the other THATS what i said is harsh. the extra year finance made it go into the 30,000 range. if you would have got the car at 5 years instaed of 6 all you would have paid is 28800 (est). thats one of the ways they try to get you. telling you we can do this for 6 years at this price.
you have to remember also that you have no credit your getting it financed with the help of your mom. they offer you 6 years on it because of the price. you go and find something cheaper and they give it to you for 5 it all depends on price to them and what you'll pay to get the vehicle