So I was just informed by Ernie that Hardcore Mustangs has paired up with a certain loan company and have worked out a deal to offer financing for all your car products! All of you guys out there who want your blowers or any other performance product and were waiting for tax return time, etc. can now treat themselves to the best Christmas yet! You don't need to get yourself approved, Hardcore Mustangs can get do this done for you through the company making it extremely affordable with small payments. If you are interested or have any questions, feel free to ask either Ernie (hardcoremustangs) or myself! Thanks again guys.

-Mickey

lol uh oh...

ORIGINAL: cbgammel05

lol uh oh...

Shut it Cody! haha. I think it's time for you to get some forged internalsso you can crank up that boost! ;)

i think its time for you to show me the money lol....


military pay...well.... doesnt exist!!!!!!!!!!!!!!!!!!!!!!!!!!

I would have to disagree...look at your car :D

ITS AN 81' HONDA...HOW DARE YOU! [:@]

nice body kit huh?

am I the only one who thinks if you have to finance mods, theres an issue possibly? :eek:

ORIGINAL: Curz

am I the only one who thinks if you have to finance mods, theres an issue possibly? :eek:

QFT

ORIGINAL: Curz

am I the only one who thinks if you have to finance mods, theres an issue possibly? :eek:


thats kinda f***ed up man...
some people can't afford to just throw down 500-1000 dollars at any whim. They either have to save or pay a lil at a time...

we aren't all made of money.

I have been offering financing to my customers for 5 years now.

http://enhanceloans.com/

Mods on a credit card or financed, whats the difference? If you want to finance go for it!!! Post about your mods though.

uh -ok

thats about as good advice as putting zero down and financing for 72 but to each his own :D

I don't think financing something that really isn't needed is a good idea. Sorry guys, but I'm with Curz on this one.

ORIGINAL: Saleen05797

I don't think financing something that really isn't needed is a good idea. Sorry guys, but I'm with Curz on this one.

It is a good option for some of us who can't afford a $6k mod at one time :)

If you think guys on this forum don't put mods on their credit card with money they don't have, imo you would bewrong. They will do it regardless of your indignation or my opinion, I can assure you. I agree with your financial advice but car guys are car guys and will push the limits for their prized ride. I have seen it too many times.

I don't know how to explain my thoughts best except for saying this. If you don't have enough money to mod the car, don't do it period. There are a lot of people that are bad with money management (not saying you are) but it can come around and kick you in the butt. IMO, just save up till you have enough. Maybe Curz can follow up with some better thoughts? I barely had any sleep last night so I'm kinda out of it...

ORIGINAL: Saleen05797

I don't know how to explain my thoughts best except for saying this. If you don't have enough money to mod the car, don't do it period. There are a lot of people that are bad with money management (not saying you are) but it can come around and kick you in the butt. IMO, just save up till you have enough. Maybe Curz can follow up with some better thoughts? I barely had any sleep last night so I'm kinda out of it...

Here is an example. Say you are younger (like we are), we work and we have a steady amount of money coming in each month...We try saving $6k but being young it's just hard to do that. When we have this financing option with monthly payments that WE KNOW WE CAN AFFORD with this job, this is a fantastic option! In my eyes, it is just forcing me to save my money. I agree, one should not mod their cars if they dont have the money, but rethink what I said and tell me if you agree with that...

06, I agree. Some are better at making payments than saving up. Different mind frames and personalities. I would never suggest if you can't afford it to 'do it" with anything in life but as you state ifyou can afford it, its an option.

I agree that many are not good with money, so be careful thats for sure.

I'm not sure if you have any student loans or anything like that but I guess what I was trying to get at is don't make it your first priority to mod your car. I do agree with you, just be smart about. I've been doing all kinds of stuff with my dad ever since I was a toddler and learned all the ropes while I was younger. A lot of people mess up their lives over something so simple as a few K loan. Like Jonsey said, just be careful man!

+1, Saleen05797

yeah like mail order brides...

i thought $10 was a great price for a 5'6 vietnamese bride who would quote ad "love me, long time"

what i didnt see was 7000% APR INTEREST

damnit...

ORIGINAL: 06Saleen3V

Here is an example. Say you are younger (like we are), we work and we have a steady amount of money coming in each month...We try saving $6k but being young it's just hard to do that. When we have this financing option with monthly payments that WE KNOW WE CAN AFFORD with this job, this is a fantastic option! In my eyes, it is just forcing me to save my money. I agree, one should not mod their cars if they dont have the money, but rethink what I said and tell me if you agree with that...


OK speaking as a financial type (work for a bank in a position I deal with this sort of stuff every day) if a friend/relative said that to me, I'd punch them in the head. why can't you save for it, it isn't any harder than paying a bill, other than the fact you are building up an assetyou could go and spend on something stupid before having enough to buy your upgrade. I understand the 'gotta have it NOW NOW NOW' itch, but you need to be able to decide when you can buy an itme or when its best to wait. Look at a worst case, if the job goes away or something happens financially are you stuck with a loan payment you can't afford? If the mortgage problems in the US teach people anything, it should be to avoid unneccessary credit.

Now each to his own, and I can understand why parts/service companies like to have the option available (heck, myjob is to lend money to people) but seriously, don't look at it as pennies from Heaven and go nuts with it.

my job will NEVER go away:D

not for 3 more years

mwahahhahahaa


mmmmm guaranteed employment

ORIGINAL: smoothy

ORIGINAL: 06Saleen3V

Here is an example. Say you are younger (like we are), we work and we have a steady amount of money coming in each month...We try saving $6k but being young it's just hard to do that. When we have this financing option with monthly payments that WE KNOW WE CAN AFFORD with this job, this is a fantastic option! In my eyes, it is just forcing me to save my money. I agree, one should not mod their cars if they dont have the money, but rethink what I said and tell me if you agree with that...


OK speaking as a financial type (work for a bank in a position I deal with this sort of stuff every day) if a friend/relative said that to me, I'd punch them in the head. why can't you save for it, it isn't any harder than paying a bill, other than the fact you are building up an assetyou could go and spend on something stupid before having enough to buy your upgrade. I understand the 'gotta have it NOW NOW NOW' itch, but you need to be able to decide when you can buy an itme or when its best to wait. Look at a worst case, if the job goes away or something happens financially are you stuck with a loan payment you can't afford? If the mortgage problems in the US teach people anything, it should be to avoid unneccessary credit.

Now each to his own, and I can understand why parts/service companies like to have the option available (heck, myjob is to lend money to people) but seriously, don't look at it as pennies from Heaven and go nuts with it.

Well I hope you haven't punched too many people...[&:]...On a serious note, I would not finance something without a full proof plan. I don't expect to lose my job, but I know anything is possible. If I were to finance and did lose my job, I have secure money I can tap into if I get COMPLETELY stuck or screwed. This is not for everyone of course. What about your car or your house? MOST people finance for those right...while expecting to be able to make the payments for them with a job (that they could also lose at any moment). Anything is possible but I am not going to live my life with that mentality. I am in no means going into debt or screwing myself over, but I am not going to live by the "what if" crap. You only live once and by saying this I am in no way implying that you should be an idiot and go take loans out for everything you want, but sometimes it is alright. I know a good amount about this stuff for my age but I know I have a lot to learn. The best way to learn, is to experience. That is my .02 cents.

whoa, sorry I started all this [:@]

my only point is if you ever want to be financially independant, dont take out loans
like this which also includes credit cards. If you have any credit card debt AND you finance mods you will be a slave to the man for the rest of your life.

+1 to credit cards:(

i just cleared all that up...

me=debt free :D:D:D:D:D:D:D:D

Full proof plans. Tell that to the people who bought houses with those low interest balloon loans thinking they had a full proof plan for 5 years out. Tell that to the many people who thought they could afford the payments on that new car, only to find out in a year or two they were choking on that $600/month payment.

I have seen it way too many times, where someone buys a blower on their credit card, and even before they had a chance to pay it off, blew their engine or wrecked the car.

I have been there and done that, and I can tell you from hard lived experience, if I cannot pay cash for it, then it can wait.

Sorry, but I have to dissagree, there is no such thing as a full proof plan. Things come up that are unexpected, and there goes the full proof plan.

ORIGINAL: RedGTvert

Full proof plans. Tell that to the people who bought houses with those low interest balloon loans thinking they had a full proof plan for 5 years out. Tell that to the many people who thought they could afford the payments on that new car, only to find out in a year or two they were choking on that $600/month payment.

Well considering I have more money stashed away then the blower is worth...yea ummm, I would call that a full proof plan for me :DThanks!

cant we all just get along ;)

Haha yah this did get kinda outta hand. We're just trying to watch out for you Mickey, that's all

If I read 'full proof plan' one more time, I'm gonna snap. Its 'fool proof plan'!!!! :D

If you like to throw money away, I highly recommend financing all your mods. Why pay $5k for something when you can spread out the payments and pay $6k?

I went to Dillards today and bought a $300 suit. They gave me 10% off for putting it on a Dillards charge card. The interest rate on the charge card is 16.99%. I did good, right?

ORIGINAL: Saleen05797

Haha yah this did get kinda outta hand. We're just trying to watch out for you Mickey, that's all

Im older than you Philip! (not to say younger people cant give advice but I dont needhelp with this stuff)lol...I am just informing people of what HCM is offering. I didn't post this saying "hey guys, i now plan to ruin my life and finance all my mods". I am not financing ANY mods! If I find it feasible for me in the future to do so, then maybe I will, who knows. And to Polks comment, although extremely sarcastic as usual, I know what you mean. The financing for these mods is stuck at a 5% additional cost. So for some people, paying $200 more to have their Saleen blower 8 months earlier is worth it...to each his own!

yayyyyy

you did good....




NO! BAD POLK.....BAD! [>:]

The only people that benefit from that are people that pay off the payment right away. And in your case, I'm guessing you will, so technically, yes [8D]

Mickey, I may be young, but trust me when I say I have seen almost everything!

But if you can do it, def do it, get that thing blown! :D

ORIGINAL: Saleen05797

Mickey, I may be young, but trust me when I say I have seen almost everything!

But if you can do it, def do it, get that thing blown! :D


I am on the same boat as you man trust me. I've lived all over the world and have seen what most people haven't. I have an incredible job making very good money and I am still struggling to pay off my car. You must either have help paying for your stuff or you made it in the market or something because damn!

lol Well obviously can't tell you all my secrets. But I def couldn't be doing what I'm doing now without my dads help. I owe a lot to him!

ORIGINAL: Saleen05797

lol Well obviously can't tell you all my secrets. But I def couldn't be doing what I'm doing now without my dads help. I owe a lot to him!

Thats where we differ ;)

Well not right now but I mean previously. Like I have said in other topics and this one, he has taught me A LOT. But I'm not ashamed of him starting me out. I'm a first generation American from my family, my father immigrated from Europe and struggled A LOT.

ORIGINAL: Saleen05797

Well not right now but I mean previously. Like I have said in other topics and this one, he has taught me A LOT. But I'm not ashamed of him starting me out. I'm a first generation American from my family, my father immigrated from Europe and struggled A LOT.

This is like Chididdy all over again haha...no worries Philip, I hear ya

Chididdy? Excuse my ignorance lol

ORIGINAL: Saleen05797

Chididdy? Excuse my ignorance lol

Haha tooooo long of a story

lol well I'll leave it alone then!

If you are going to finance anything...car, mods, etc....just make sure you finance it at a level that you can pay off BEFORE the loan comes to term. I have been financing things all my adult life that technically I could have just put on a card and paid off over 6-8 months. But rather than do that and dip into savings, I choose financing and paid them all off in about half the term. These things include a few different 5-8k used cars, a 3k lawn mower, a 7k hot tub, and now the Saleen which will be paid off in 4 years rather than 6. Do the math and figure out what you need to pay monthly to be paid in full a year or two early. Several loans under your belt that were paid early will do wonders for your credit score...I'm living proof. Ford didn't bat an eye at me when I was ready to buy the Saleen after looking at my credit report, and I am now living comfortably in a house that 10 years ago I would have never imagined myself able to qualify for let alone afford.

ORIGINAL: sowaxeman

If you are going to finance anything...car, mods, etc....just make sure you finance it at a level that you can pay off BEFORE the loan comes to term. I have been financing things all my adult life that technically I could have just put on a card and paid off over 6-8 months. But rather than do that and dip into savings, I choose financing and paid them all off in about half the term. These things include a few different 5-8k used cars, a 3k lawn mower, a 7k hot tub, and now the Saleen which will be paid off in 4 years rather than 6. Do the math and figure out what you need to pay monthly to be paid in full a year or two early. Several loans under your belt that were paid early will do wonders for your credit score...I'm living proof. Ford didn't bat an eye at me when I was ready to buy the Saleen after looking at my credit report, and I am now living comfortably in a house that 10 years ago I would have never imagined myself able to qualify for let alone afford.

Well said Jason. Thank you for the tips and advice

is 5% the approved intrest rate? if so thats great considering they are financing with no collateral. 5% of 6000 is only $300. and thats if you take the full term to pay it off. If you can get that rate i would say go for it.

Man, I can't believe I forgot that very good tid-bit of info....paying off before term saves interest - definitely a good point [sm=chairshot.gif]

ORIGINAL: Saleen#468

is 5% the approved intrest rate? if so thats great considering they are financing with no collateral. 5% of 6000 is only $300. and thats if you take the full term to pay it off. If you can get that rate i would say go for it.

This is exactly my point! Say you are buying the Saleen Supercharger for 5000, 5% is only $250 more on the total cost of the blower. So you have to decide is paying $250 more worth getting your blower 6-12 months earlier? For some it is, for some it is stupid...that is why I say "to each his own"

I think it is great i spent about 2100 in just 2 days for my car. Now look my father passed away april ofthis yearand everything was under my mothers name even though he paid most it. so now me and my mother are stuck paying the bills, now I said that I spent $2100 in two days right? It took be about 4 months to save that only because of the bills i have to pay. But me and my dad bought the saleen to throw as much hp we could to woop a**'s and still drive it on the street. so for people like me this is a great IDEA! But I do respect everybodys opnion we all have our own minds

ORIGINAL: saleen4162

I think it is great i spent about 2100 in just 2 days for my car. Now look my father passed away april ofthis yearand everything was under my mothers name even though he paid most it. so now me and my mother are stuck paying the bills, now I said that I spent $2100 in two days right? It took be about 4 months to save that only because of the bills i have to pay. But me and my dad bought the saleen to throw as much hp we could to woop a**'s and still drive it on the street. so for people like me this is a great IDEA! But I do respect everybodys opnion we all have our own minds

Sorry to hear about your father [&o]. But I don't think your mom and you should be stuck paying the bills, did you not receive life insurance?

very complicated the insurance declined us so were taking them to court cause its just so hard to live like this. my father had many back surgerys and finally was getting better one of the dr's fu***D up and gave him a shot of morphine in the morning and istructed hime to takes his pills at night well he overdosed in is sleep cause of that and yeah so we are taking the dr to court as weel to take his medicine license away [&o]

ORIGINAL: saleen4162

very complicated the insurance declined us so were taking them to court cause its just so hard to live like this. my father had many back surgerys and finally was getting better one of the dr's fu***D up and gave him a shot of morphine in the morning and istructed hime to takes his pills at night well he overdosed in is sleep cause of that and yeah so we are taking the dr to court as weel to take his medicine license away [&o]

Im sorry to hear that man. Hope it all works out for the best. Remember, your mom comes first, car comes second. Best of luck

Mickey

Thanks man
Yeah of course I always put the bills first and her
thats why it took me so long to save up
I had a good 10G's to slam on the car but then all this happened and I couldn watch my mom suffer cause of stupid bills u know

I'm sorry to hear that too man. That is def a sh!tty situation

Wow. I'm so sorry too. Many of us on here have/had dads who were the inspiration behind our cars. I'm sure your dad was a great guy and very proud of you -- I'm sure he still is!

Namaste.

Thanks everyone I really apreciate your kind words and thanks amy he really is the best and i really hope he is proud of me [&o]

ORIGINAL: saleen4162

Thanks everyone I really apreciate your kind words and thanks amy he really is the best and i really hope he is proud of me :D

I fixed what you wrote ;)

haha thanks man :D