Aldeer.com Forums Alabama Deer Talk Aldeer General Forum New trucks pricing?

That is the damn truth right there. And then she thinks she's a business owner because she's someones bottom bitch in the latest housewife Pyramid Scheme.
But often he's just as guilty. Driving a brand new F150 King Ranch with a brand new bass boat behind, all financed of course.

Consumer protection meaning protecting me from stupid people.

Honestly... the financial industry would finance a truck for 160 months if they could. I don't know how you stop it unless someone tells them they can't make those type loans. They will make them and Wall Street will purchase them no matter what kind of scheme they come up with. Why because at the rate we are going with Central Banks buying up everything in the markets in the name of "stimulus"..... we are screwed. Our Country is bankrupt. The whole thing is like some kinda sick ponzi scheme with these type loans soon to be the hot potato that the Taxpayers will be left holding the bag. We are ALWAYS that guy.

I want a new truck so bad I can’t stand it but I can’t wrap my head around 60plus for what I would want. I absolutely hate monthly payments so anything I bought would have to be outright in cash which makes it even more hard to swallow.

Folks are paying it though. Hell, I know folks who have bought vehicles in the last couple years that are double there yearly salary in price. Talk about living in the clouds

Most people either don't realize what financing is costing them, or simply don't care. "What's my monthly payment?"

Don't like the price of the new trucks? Buy a used truck they say....not anymore! How about a 4 year old truck, a typical V8 quad cab 1/2 ton 4WD, that will be $30,000. Finance it for 4-5 years and when you are done paying for it, it has 200,000 miles on it, and is worth $5,000.


Might as well get the new one for $50,000. Unless you buy trucks for cash, you are screwed either way.


When my truck finally blows up, I'm getting a used Subaru Outback shipped down from Seattle for less than $10 grand, and I'm putting a deer rack on the back of it. And mud tires. To hell with these 4WD truck prices.

Hey!!!
Don't be hate'n on my 99 Tahoe now!!... Mines got closer to 350,000 on it. 👍
Anything under 100,000 miles still has that "new car smell" to me. 😂

Some of my greatest hunting memories are with my grandaddy in a 48 Plymouth sedan. It had a positrac rear end, with buckshot mudders, and it would go places that today's fancy Nancy 4x4s won't go. We put the dogs in the back seat and whatever we killed or caught went into the trunk.
When I was a teenager, my dad bought a 69 suburban in a police auction. Two wheel drive, independent rear suspension, big mudgrips and that sucker was unstoppable. We'd put a mountain of firewood in the back and still had room for 3 people and all our camping gear. We was living high on the hog!

If 84 months is smart, isn't 168 months even smarter? Serious question for those that think 84 months makes sense.

Find an auto broker you can trust, and have him find what you want. 2 years old seems to be the sweet spot regarding value and cost savings vs. new. Lots of high end trucks get leased for less than a year, then turned over to auction companies. My current one was in service for 7 months and had just over 20,000 miles on it when I bought it for about 65% of the original sticker price.

This is how we buy vehicles, then we drive them for 8-10 years, or until they start to deteriorate.

Regarding a payment - I can't wrap my head around spending cash out of savings when I can finance through my credit union or an independent finance company for less than 2% interest. Some folks say they can't stand a car/truck payment every month, but then go make a huge one time payment. What about the investment value of the $40-50,000 you just took out of savings?

I do understand that sometimes the rebates are better than the 0% offered by the dealer, but I just don't want to be the one with the big initial value loss. .

You're doing better than I am. I looked at 2 year old trucks back in 2018, and found very little difference. If it's between $46K, and $40 for a truck with 40k milles on it, and 2 years old, I'm going new every single time.

That's the same little princess who has to have a $35,000 wedding and sticks daddy o with the bill. Don't be a sucka and get stuck with a chick like this. One of my buddies did and she damn near bankrupted him before he dumped her sorry ass.

I just got a new to me gmc 2500 yesterday. Very thankful to have it. I figured out while looking that trucks are ridiculous high anyway you look at it. You can buy them new with little or no interest or buy them used with a little more interest. It’s a big expense any way you look at it. After being back in the market for a truck I can’t believe the kids that drive big new trucks with $10,000 worth of accessories.

My truck payment is over $1000/month but, it isn't financed for very long and it's at less than 3%

I don't really even doubt that the prices are legitimate, I mean the business world is too cutthroat to arbitrarily inflate prices "just because people will pay it." If you consider the cost of goods and labor these days, it's not hard to tally the cost.

But nevertheless, people are payment buyers....somewhat out of necessity, but mostly out of worldview. Almost no one thinks of the cost anymore, but rather monthly cash-flow. From 1995 thru 2000, I worked at a Toyota dealership, first as a salesman and then as the F&I guy for the last 2 years. You learned quickly to STOP talking price! Sure, people always ask about price, but it's just a conditioned response. They don't know what the correlating payment equals, so you could waste a ton of time talking price to someone who'd back out when they realized the payment. $50,000 sounds good for a truck with a $60,000 sticker, but you're still looking at $900 payment for 60 months. They gone! 72 months is still $785 month. Crap, 84 months is still right at $700 a month!!!! And that's just a normal 1/2 ton 4WD truck, nevermind the 3/4 diesels that everybody and their mama drives nowadays. The idea of a vehicle payment that high for that many months makes me want to vomit. I "could" go buy a brand new 3/4 diesel today, but ain't NO way on earth I would, I just don't see how/why it could possibly be worth it?? I don't "like" it THAT much.

The world of bass boats is even worse. You ever notice how many $75,000+ bass boats are around????? Payment buyers. $75,000 for 15 years is $585 a month. What in the @#$#@ are these people thinking???? Look at 15 year old boats, they're far out of style, most of them are worn out in poor condition, the motors have been rebuilt, etc. Does it ever cross a fella's mind, what do you have after making 10 years of payments @ $585 a month on that bass boat? 5 more years. On a boat you hate, and are still terribly upside down in.

I see it in insurance still every day. Been doing this for 19 years now, and it's still the same. I can get someone two quotes on something: One could be $1,000 a year, but you have to pay $300 upfront, then have 7 payments of $100 dollars. The other could be $1,500 a year, BUT it's a simple $125 down and then $125 a month. 99% of them will pick the highest overall price.

Look at the RV/Camper industry. Unreal what new campers sell for and how fast they depreciate. I am very happy with my 2016 camper for 1/3 the price of new.

I hear you. A lot of suckers out there today who don't understand simple finance. I bought my last two used 3 years old with a 4 year loan and drove them for 11 years. Man no way I would buy a new overpriced one nowadays. Neighbor has a $65,000 Ford financed for who knows how long. What a sucka. A new vehicle is the worst investment you could possibly make. Depreciate down to nothing.

One of the 3 people I mentioned in the post above with a 4-figure car payment also has a camper that they financed for some obscene amount of time. I want to say I heard it was 15-20yrs, but I can't swear to it. They originally intended to buy a less expensive used one but said they ended up having to buy new because they "couldn't afford a used one" (ie: they could only "afford" one if financing was available). I love them to death but that just doesn't make good financial sense to me.

My belief is to only finance the house, and a primary vehicle if you must. I drove my last truck for 5 years after it was paid for, and it still cost about 1/2 of my previous monthly payments in repairs to keep it going. New engine, oil pans, bearings, cv axles, etc. will add up and at some point repair costs are more than the value of the truck and it's a PITA to deal with that crap. Get what you can for it and get back on the finance treadmill again.

I DON'T finance toys. Guns, ATVs, campers, boats and other toys should only be bought with cash IMHO.

Y’all are gonna hurt some feelings on here with this financial common sense about not financing toys and $65K personal trucks 😂.

Bout time for the “YOLO” guys to chime in.

I’m not paying cash for anything over a few thousand dollars if I can finance it for little or no interest,not a vehicle and especially Not an atv or side by side,if I can afford the payment every month I’m leaving my cash in the bank.