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View Full Version : What kind of monthly payments are you guys paying on your trucks?


MJK
12-14-2007, 02:55 PM
Don't mean to be to personal, but i was thinking about an F-350-F-550 dump and they were talking like 500-575 per month not including insurance. What are you guys paying? Is the insurance bad, i didn't bother getting a quote yet. Thanks.

Marc

peckwood
12-14-2007, 02:56 PM
You don't even wanna know, just look at my sig

SiteSolutions
12-14-2007, 04:05 PM
Sounds pretty reasonable.

NBI Lawn
12-14-2007, 04:05 PM
Don't mean to be to personal, but i was thinking about an F-350-F-550 dump and they were talking like 500-575 per month not including insurance. What are you guys paying? Is the insurance bad, i didn't bother getting a quote yet. Thanks.

Marc

What is your down payment? That would seem about right with ~$10,000 down. I pay about that (alittle less) for my Dodge. Trucks are not cheap.

PatiosInstalled
12-14-2007, 04:08 PM
i pay $680 for my f 250 diesel. the insurance however is extremly cheep under my commercial policy. i pay 2400 a year for full coverage of truck and company.

SOUTHERNGREENSCAPES
12-14-2007, 04:10 PM
to run with the big dogs, it takes a lot of bones. My 3500 duramax is $450/mth and that is really cheap. if i went to a 4500 or 5500, i could see that payment easily being $600+.

But if you were affraid of spending money, you wouldn't be in this business. Wait till you start shopping for a compact tract loader. It will make you feel better about your truck payment for sure.

lawnspecialties
12-14-2007, 04:13 PM
$2000 per month.

TXNSLighting
12-14-2007, 05:39 PM
713 per month. That is completely cheap for a 350-550 dump!! id jump on that. id give anything for payments in the 5's

Gravel Rat
12-14-2007, 05:43 PM
For my 2003 F-450 I bought used my loan payments a 760 a month a little high but thats what the bank rate is. My insurance is 129 a month or a yearly 1500 dollars. The insurance covers a 15,000lb gvw truck used for work.

Atleast I'am not like some of the contractors with 2000-3000 a month gravel truck payment.

This is my first large loan from the bank I think total loan was 35,000 dollars which is tough enough getting any money out of the local bank. When I was self-employeed forget it. The only reason why I got approved because I work for the gov't.

My brother has a hard time getting approved and his small company made 80 grand last year.

I financed my truck through the bank I could have done it through the dealer I bought the truck from. The dealer is 200 miles away so if there was any problems with payments etc I didn't want that hassel. Plus I have been dealing with the same bank since my parents started me a savings account when I was 10.

What really chapped my azz was I missed out on the 6% interest rate I couldn't find the truck in time and wouldn't you know it now I got a loan a 8%

I'am happy so far the truck is taking a decent chunk of my paycheck but atleast I have a newer truck that is more reliable. I got tired of dealing with old trucks that constantly need repairs. It is a little overkill using a F-450 as a daily driver but when the work hopefully picks up again in the spring the truck will make some money on my days off.

Lawn Enforcer
12-14-2007, 06:11 PM
I have a 2005 Dodge Ram 1500, w/ a 4.7 V8, it is a regular cab long box.
$302 per month

deere615
12-14-2007, 06:15 PM
$0, I am 17 years old, my parents gave me $1000 towards my truck I payed the rest. I saved up so I could buy a truck the day I found one and have no payments!

corey4671
12-14-2007, 06:24 PM
I just recently consolidated the loan on my silverado, s10, warrior and wasp onto a credit card I have with a rate of 3.99 until the balance is paid off. total balance of $20,394...monthly payment of $275. :waving: Total of payments before consolidation was $625.

FIRESCOOBY
12-14-2007, 06:30 PM
2006 2500HD LT, Duramax/ Allison, 4wd Crew cab/short bed

Bought new September 2006
Had a trade with some equity and got a LOT of rebates also.

Payments of $400 for 4 years.

meets1
12-14-2007, 06:32 PM
PARENTS do not count!

Bought a new HD GMC reg cab and V-plow pkg deal, financed the entire thing to free up cash for a winter project - total payment $520.00 Insurance is cheap cuz on a commercial policy it really doesn't make that much difference for me

ALarsh
12-14-2007, 06:39 PM
2004 Chevy 2500 HD Extended cab/short bed 4x4.

Paid for... Man it feels good.

I was paying $200 a month before when it wasn't. I put a lot of money down.

N.H.BOY
12-14-2007, 07:11 PM
my 250 is $489 a month, and she'll be paid off in June:clapping: Then a dump truck or a 350 with a dump trailer

PatiosInstalled
12-14-2007, 07:11 PM
I just recently consolidated the loan on my silverado, s10, warrior and wasp onto a credit card I have with a rate of 3.99 until the balance is paid off. total balance of $20,394...monthly payment of $275. :waving: Total of payments before consolidation was $625.

what card company is that with??

grassmanak
12-14-2007, 08:12 PM
i was paying 700 a month on my last truck, new one is 569 a month on 4 years, insurance is 100 a month

kjslawn
12-14-2007, 08:35 PM
145 per month I have a very nice 1998 chevy sliverado 2500 long bed I dont know how some of you guys do it. I look at it like this you are just going to be the sh.. out of it why pay 500-800 per month I want that in my pocket not my truck. Just me

grassmanak
12-14-2007, 09:00 PM
if i dont make high dollar payments on things, i just get stuck givin it to the IRS

supercuts
12-14-2007, 09:24 PM
2008 f350, purchase price with plow, $39k, $4k deposit, $643 a month for 72 months. insurance, about $100/month, so the truck is about $750 month total.

topsites
12-14-2007, 09:47 PM
None, it's paid for ...
Way cheaper on the insurance, way way.
All my trucks over the years, cars, too, no payments, no loans.
I'm not sticking my neck out, last thing I need is desperation knocking on my door, that means only one thing: Selling myself short.

Now it ain't exactly a 750, but my 95 d2500 slt costed 2500 upfront, between flying to Boston and driving it back and then all the extra work I did to it I spent probably 4 thousand, but that was about the top of the Kelley Blue Book for it so I did all right.

Not the most expensive truck in the world but everything works, has 122000 miles on it, just doesn't smell like new and everything's a bit rickety but I'm also not afraid of scratching or denting the finish either.

I am sure 450-550's are not cheap, but how bad can it be if it don't gotta be that NEW geez!
Now if I had to spend 8 - 10g on one what's the difference, save it first then buy it cash, might take longer to save but so what, where's everyone going in such a rush anyhow?

iseegreen
12-14-2007, 10:01 PM
Good rule of thumb is $20 a month per $1,000 you fianance. Could be a little more or less depending on credit. Also try not to put any money down when you buy cause it goes right in their pockets.

SOUTHERNGREENSCAPES
12-14-2007, 10:14 PM
I just recently consolidated the loan on my silverado, s10, warrior and wasp onto a credit card I have with a rate of 3.99 until the balance is paid off. total balance of $20,394...monthly payment of $275. :waving: Total of payments before consolidation was $625.

yeah, but 20 years to pay off if you make the minimum payment. oh, you will have paid out $66,000 by the end of 20years.

PlatinumLandCon
12-14-2007, 10:57 PM
I pay a big fat 0:weightlifter:. Mine's an old 1990 Chev 1500, 4x4, 6.2 diesel.

My uncle has an '07 Ram 2500 5.9 CTD and pays about $850/month.

PlatinumLandCon
12-14-2007, 10:59 PM
I just recently consolidated the loan on my silverado, s10, warrior and wasp onto a credit card I have with a rate of 3.99 until the balance is paid off. total balance of $20,394...monthly payment of $275. :waving: Total of payments before consolidation was $625.

Try to pay $400+ per month to save on interest charges, even if its only 3.99%.

SiteSolutions
12-15-2007, 09:11 AM
Wait till you start shopping for a compact tract loader. It will make you feel better about your truck payment for sure.

:laugh:

My ctl costs me what both my truck and my wife's truck costs me every month. Which is fine if it stays busy...:rolleyes:

SiteSolutions
12-15-2007, 09:26 AM
None, it's paid for ...
Way cheaper on the insurance, way way.
All my trucks over the years, cars, too, no payments, no loans.
I'm not sticking my neck out, last thing I need is desperation knocking on my door, that means only one thing: Selling myself short.

Now it ain't exactly a 750, but my 95 d2500 slt costed 2500 upfront, between flying to Boston and driving it back and then all the extra work I did to it I spent probably 4 thousand, but that was about the top of the Kelley Blue Book for it so I did all right.

Not the most expensive truck in the world but everything works, has 122000 miles on it, just doesn't smell like new and everything's a bit rickety but I'm also not afraid of scratching or denting the finish either.



First let me say I am not coming after you personally, just want to offer a counter-point to the idea of the "cheap" truck...

My first truck was a cheap truck. Then I put a bunch more in it to keep it running. Usually in big lumps, and not when I was expecting it. Truck payments are a lot easier to budget for than truck repairs. If you have to keep it DOT legal and use it every day and tow around heavy things, I would recommend getting something not too old. I don't buy brand new trucks, either, at least I haven't yet, but I wouldn't want my livelihood to depend on something "rickety". My "cheap" truck is now my backup truck, and I might even sell it off this winter if I get too slow; that's one good thing about owning a truck (or any asset) free and clear.

Anyway, the repairs I made to the cheap truck this summer cost 6 payments worth of my "not too old" truck, all at once, and after waiting two months for the garage to get around to it. I would have been unemployed if I had only had my cheap truck this summer.

Cheap trucks and rickety trucks don't usually make a good impression on customers, either. The idea is to inspire confidence. Some folks might admire your good sense in buying cheap, but they probably like to pay cheap... not my kind of customer.

Just one way to look at it...

meathead1134
12-15-2007, 09:36 AM
230.00 I don't need a brand new truck to haul around my equip

tthomass
12-15-2007, 10:31 AM
I pay close to $3,000 for both trucks including insurance. I just refinanced one so you can take off $350. I own the other vehicles and equip. Its a matter of managing debt and I always keep enough in the bank to pay off every debt I have + $ to still operate should 'something' happen. If my accountant comes back and says spend some $ I'll apply it towards the principle of the loan with the highest rate.

ALarsh
12-15-2007, 10:57 AM
$3,000 per month?

PerfectEarth
12-15-2007, 12:10 PM
2004 Ford F-550 dump, bought for around 26,000- nothing down, 588$/month

ZX12R
12-15-2007, 12:52 PM
"$3,000 per month?"

Did you see one of his trucks? :)

tthomass
12-15-2007, 01:27 PM
'$3,000 per month?'.............is there a question? Its two trucks and I'm not trying to drag out the loan.

1st Chevy is paid for, T190 & trailers were bought out right as are all other tools/equip......

By taking out a loan I do lose money with interest. What I do gain is additional credit (my score can't really get any higher due to the track record I've got and in turn will make it easy for me to get a loan for property/house), I'm being responsible and managing my debt and the big kicker is the 'what if'. The 'what if' factor is if I paid off everything I have that could put a hurting on the account. Now, what is 'something' happens? Depending on the chain of events I may not have the funds available should I need them. I pay a little interest (tax deductable) but I still have my money on hand should I need it. Needing the money isn't for only bad reasons. Should I come across a great deal on say a piece of land I will have the money for the down payment. Also, its money in the bank for business ventures including hiring qualified individuals and being able to afford them.....again without putting too much stress on the account.

I don't know if that was the reference or question but if all else fails it shines a little light on making your money work for you.

ALarsh
12-15-2007, 01:31 PM
Yes, that international and a new chevy 2500. What is that? Like $100k. I would be thinking around $1500 or there abouts a month for the loan. Another $400 or so for insurance? Just seemed like quite a bit to me.

edit: you just posted... I see.. I was just a little shocked thats all...

lawn king
12-15-2007, 01:55 PM
I just acquired a unique loan, it paid off my dumptruck, put me in an 08 GM 3500 HD allison/duramax, fully extended waranty 1000000 miles/5 years & upfitted the silverado with a new 8' snoway 29. The payment runs $960. per month. I worked the banks for weeks on this deal, im happy with the outcome. I now have a paid off diesel NPR HD dump w/ 9' plow,59000 miles, new trailer last summer, mint condition kubota 1/2 paid for and a brand new silverado.

ALarsh
12-15-2007, 02:00 PM
And what is this unique loan? Is it a business line of credit?

MJK
12-15-2007, 02:45 PM
Do you guys know of a website that has used commercial truck listings?

lawn king
12-15-2007, 02:51 PM
And what is this unique loan? Is it a business line of credit?

It was a customized auto loan. At the signing i received 2 checks. 1 to pay off my dumptruck & 1 to up-fit the silverado with a new snow plow.

kjslawn
12-15-2007, 03:46 PM
So spend 10k a year to not pay 3k to the IRS.

kjslawn
12-15-2007, 03:52 PM
I should have quoted GRASSMANAK in my reply sorry

tthomass
12-15-2007, 03:52 PM
Chevy was $41,200 + tax, tags and title.

International came in around $53,000.

Both 5yr loans and I'll pay them sooner based on my accountant. This year I'm writing off a ton in equip and other things......my taxes will be next to nothing. Buying the Chevy saved me $10,000ish in taxes so I like to think of it as buying it on 'sale' haha.

corey4671
12-15-2007, 04:39 PM
guys let me make something clear here..I have no intention to only make minimum payments of $270. I have every intention of having it paid off in 12 to 18 months. The biggest advantage was the lower payment for slow times..i.e. winter or drought. I can appreciate your concerns though. Thanks..even though it may not sound like it with carrying debt, but I am a Dave Ramsey freak. Yeah, I know, he's an idiot to some of you...let the trash talk begin :)

ZX12R
12-15-2007, 05:30 PM
"International came in around $53,000."

Tthomass,what year is that International?How many miles are on it? I ask because I have looked at them and they are expensive.You seem to have gotten a great deal on yours.By the way,it's a beauty.

tthomass
12-15-2007, 05:46 PM
Thanks ZX,

It began as a 24' box truck and had 128,000 miles on it, 2002, air brakes, 6spd manual.......$24,100 as you see it.

tthomass
12-15-2007, 05:48 PM
For what its worth..........if you get one of these trucks you must get air brakes.........hydro should not be an option. The power is much more and they are less expensive to operate......a lot. Did I mention they sound cool?? ka poosh

POPO4995
12-15-2007, 05:51 PM
$575 per month on the '05 Duramax, $0 on the GMC, $250 per month on the Deere X720 and everything else is paid for. And $100 per month for insurance on both.:usflag:

J&R Landscaping
12-15-2007, 07:16 PM
$523 a month on my 06 f250. My 94 f250 was bought cash so...

ZX12R
12-15-2007, 07:23 PM
"It began as a 24' box truck and had 128,000 miles on it, 2002, air brakes, 6spd manual.......$24,100 as you see it."

I did not realize you had it painted.What size is the body you have on it now? Are they expensive maintenance wise?

cpel2004
12-15-2007, 08:12 PM
If I cant pay cash then its not for me. Eventually I'll get to that point were financing isnt an issue. Business must be good for a very long time before I finance for my business.

jajwrigh
12-15-2007, 11:51 PM
$0. Its paid for!

Fieldman12
12-16-2007, 11:09 AM
I pay $434.00 a month for the Duramax I just had to have. Probably the last time I ever decide to pay that much. Granted trucks do work but they don't bring home the bacon like a semi. I should have used the money to buy me a mini track hoe. My old Dodge Cummins was starting to fall apart though and I could not find any descent used ones at a descent price unless you went back to about the year of my Dodge (99).

DoetschOutdoor
12-16-2007, 12:13 PM
$290 for my 02' Zr2 S-10. I usually try and make double payments during the summer. About 14 more payments then I can get a new toy.

South Florida Lawns
12-16-2007, 12:40 PM
I pay $150 a month for my chevy Silverado

Lawnworks
12-16-2007, 02:26 PM
If I cant pay cash then its not for me. Eventually I'll get to that point were financing isnt an issue. Business must be good for a very long time before I finance for my business.

I like the way you think. I have 5 trucks and they are all paid for.

corey4671
12-16-2007, 10:32 PM
trucks get better fuel mileage when they aren't hauling a payment book around..:laugh:

thefed
12-16-2007, 10:44 PM
95 f150 - paid off, 95 chevy 1500 paid off


own a 99 maxima paid off, 99 avalon paid off, 96 astro paid off, 79 camaro paid off


i hate car payments.

GravelyGuy
12-17-2007, 10:47 AM
$623 for a 60 month loan.

SLC, LLC
12-17-2007, 11:15 AM
2004 Chevy 2500 HD Extended cab/short bed 4x4.

Paid for... Man it feels good.

I was paying $200 a month before when it wasn't. I put a lot of money down.


ALarsh - I just bought the same model truck this past Saturday. Mine has the Duramax/Allison in it. I love that thing so far!!!

TXNSLighting
12-17-2007, 12:08 PM
$623 for a 60 month loan.

$623 for a toyota??? for a half ton???! my gosh man you coulda got a diesel for that. a one ton diesel!

Petr51488
12-17-2007, 01:34 PM
$623 for a toyota??? for a half ton???! my gosh man you coulda got a diesel for that. a one ton diesel!

He prob didn't put much down, and the interest for a 60 month loan is not cheap. (4-6k)

TXNSLighting
12-17-2007, 01:37 PM
my interest is 2.9 for 60 months.

MJK
12-17-2007, 03:59 PM
Anyone know a website that has used commercial truck listings on it?

man of stihl
12-17-2007, 05:02 PM
i traded my 2000 dakota and just payed the balance off with cash. my insurance is like 85 a month. other than that all i have to pay for is diesel and all the go fast goodies:waving:

GravelyGuy
12-17-2007, 05:40 PM
He prob didn't put much down, and the interest for a 60 month loan is not cheap. (4-6k)


I put $0 down because I got the truck going into winter and wanted to be safe. 1.9% on the loan.

The truck was $33,400 without tax and finance charges.

dozerman21
12-17-2007, 05:44 PM
Anyone know a website that has used commercial truck listings on it?


http://www.commercialtrucktrader.com/

mrusk
12-17-2007, 06:49 PM
i pay about 900 a month. 3 months left. Did 0 down, 0 percent financing for 36 months.

corey4671
12-17-2007, 06:58 PM
$623 for a 60 month loan.

I remember when I was that age and did dumb $hit like that. When I bought my 00 Z71 I signed up for a 60 month loan with payments of 600 a month. Good Lord, that is nearly what my house payment is now. He'll learn the hard way like I did and most likely some of the rest of you have. I learned to buy 2 year old or older trucks with a "few miles" on them and if I couldn't pay cash for it, at least be able to pay off the loan in 18 months or less. Payment on the 2500 HD was $145 a month before I consolidated it into a loan with my mower, my S10 and a credit card.

GravelyGuy
12-17-2007, 08:25 PM
I remember when I was that age and did dumb $hit like that. When I bought my 00 Z71 I signed up for a 60 month loan with payments of 600 a month. Good Lord, that is nearly what my house payment is now. He'll learn the hard way like I did and most likely some of the rest of you have. I learned to buy 2 year old or older trucks with a "few miles" on them and if I couldn't pay cash for it, at least be able to pay off the loan in 18 months or less. Payment on the 2500 HD was $145 a month before I consolidated it into a loan with my mower, my S10 and a credit card.


Yeah you were a dumb $hit if you payed the much for a Chevy LOL.

No but really, do you say that to everyone that gets new things?

There is good and bad both ways. Your way is not for everyone.:rolleyes:

corey4671
12-17-2007, 08:39 PM
Yeah you were a dumb $hit if you payed the much for a Chevy LOL.

No but really, do you say that to everyone that gets new things?

There is good and bad both ways. Your way is not for everyone.:rolleyes:

here's the way I see it. a truck in a business is going to be destroyed value wise. why not buy something that someone else has already taken the butt kicking on. Destroy a $35k truck or a $10-$15k truck? How much more money will that $30+ truck make you compared to one similarly equipped that cost $15? I'm just saying, been there, done that, got the t shirt. Not for me anymore
Now you may say YEAH but you shell out big bucks for a ZTR. Yeah, the ZTR makes the money, not the truck that hauls it.

ALarsh
12-17-2007, 08:46 PM
The reliable truck that plows snow makes you money though... I would say a slightly used 3/4 ton and up truck is the best choice.

TXNSLighting
12-17-2007, 09:17 PM
here's the way I see it. a truck in a business is going to be destroyed value wise. why not buy something that someone else has already taken the butt kicking on. Destroy a $35k truck or a $10-$15k truck? How much more money will that $30+ truck make you compared to one similarly equipped that cost $15? I'm just saying, been there, done that, got the t shirt. Not for me anymore
Now you may say YEAH but you shell out big bucks for a ZTR. Yeah, the ZTR makes the money, not the truck that hauls it.

yeh but how much more money are you going to have to put in that $10-$15k truck, as opposed to the $30k truck? there ya go! thats the best info you'll ever get! ha!

Lawnworks
12-17-2007, 09:51 PM
yeh but how much more money are you going to have to put in that $10-$15k truck, as opposed to the $30k truck? there ya go! thats the best info you'll ever get! ha!

From your threads, my 10k trucks are just as reliable as your new 40k truck! No nervous winters for me... no payments is nice.

meets1
12-17-2007, 10:05 PM
All this decussion on new, slightly new, or just plain old trucks. I started with 1 new one, bought all used and so on. The trucks i bought were in the 40K mile range, 02 and newer. Always something, rear bearing, fan clutch, battery, tires, service engine light soon kept coming on more and more. So this fall I sold our oldest truck and got a new GMC HD reg cab. Ya know, out the door, with commercial price, incentives, a few GM card points, a 32K truck was now in the low 20K range. I looked for a decent 3/4 again, but ya know what - they were asking about the same money or $1K less for what I bought a new one. Warranty, everything is new, etc. It was the way to go for me.

SiteSolutions
12-17-2007, 10:07 PM
yeh but how much more money are you going to have to put in that $10-$15k truck, as opposed to the $30k truck? there ya go! thats the best info you'll ever get! ha!

Don't buy a cheap truck, just get one a couple years old. I got mine with about 55,000 miles on it, not even broke in yet, for about half of what it would have cost new. There's a sweet spot in the middle, in between "too old" (junky) and "too new" (too expensive)

TXNSLighting
12-18-2007, 08:35 AM
From your threads, my 10k trucks are just as reliable as your new 40k truck! No nervous winters for me... no payments is nice.

and thats my fault for buyin a dodge. if i woulda stuck with ford or bought a gm, i wouldnt of had so many problems. newer is the better way. hands down. ive bought the used high mileage trucks. especially being diesels. you dont know their history. they coulda been treated like crap. ill never buy another truck with over 30 or 40k miles.

TXNSLighting
12-18-2007, 08:36 AM
Don't buy a cheap truck, just get one a couple years old. I got mine with about 55,000 miles on it, not even broke in yet, for about half of what it would have cost new. There's a sweet spot in the middle, in between "too old" (junky) and "too new" (too expensive)

is yours a 6.0 or 7.3? i cant tell in the picture. i know youve said before but it slips my mind...

corey4671
12-18-2007, 08:42 AM
I'm not implying to go down to bubba's bargain lot and buy some old 84 F250. Use some common sense people. New ones break down too. As far as plowing, how many of you will go out and buy a brand spanking new truck and go to plowing with it? Why? yeah, becasue you are 1) going to destroy it 2)the more you have invested in the truck the leaner your bottom line. The three year old 3/4 ton will make you just as much as a brand new 08 that cost you 15k to 20k more.

GravelyGuy
12-18-2007, 12:22 PM
The big part that I considered when getting a new truck is that I would also be using it as a personal vehicle. If I would have been getting a truck for work only than I would have considered used, but I probably still would have went with a new one, just probably a reg. cab base model.

If I had the space and the time to work on older/higher mileage vehicles than I would have no problem driving used, but the little stuff that starts to break on older vehicles is annoying as hell when you don't have the time to fix it.

Ramairfreak98ss
12-18-2007, 06:40 PM
Don't mean to be to personal, but i was thinking about an F-350-F-550 dump and they were talking like 500-575 per month not including insurance. What are you guys paying? Is the insurance bad, i didn't bother getting a quote yet. Thanks.

Marc

haha yeah peckwoods got a fleet over there :p

I have something like 7.8% interest on a 60 mo loan with 16k down payment "cash" no trade or anything, financed 30k after taxes, commercial registration, doc fees and crap... Insurance isnt bad, but then again i havnt had this F350 on a non commercial policy so not sure what it runs the average homeowner. My payment after financing 30k over 5 years is $624 a month on that interest rate. I try to pay a hair over because i want to get it paid in 3 years but im already into it a year now and usually only pay out $640-$700 a month.

TXNSLighting
12-18-2007, 08:11 PM
wow you gave 46000 for your truck?!

Lawnworks
12-18-2007, 08:21 PM
I think the older diesels are actually more reliable than the newer ones. I buy them w/ 100k for nothing and wear 'em out till 300k. I just got my a wife a Duramax and I am already having problems.

GravelyNut
12-18-2007, 08:28 PM
My 2001 3500 was $550 per month for a 60 month loan after tax, tags, extended warranty. Still is worth about half of what I paid for it so it is doing good.

SiteSolutions
12-18-2007, 08:45 PM
is yours a 6.0 or 7.3? i cant tell in the picture. i know youve said before but it slips my mind...

6.0 liter, '03 model, I have read and heard all the bad news. I don't want to comment further and jinx the truck.

Might've been the reason I talked them down about 7 grand below blue book.

cutbetterthanyou
12-18-2007, 09:28 PM
I paid 48k for my 06 crew cab short bed d-max. It is loaded leather electric everything, no money down,ext 6yrs warrinty,taxes tags, 6yrs loan 650 a month.

Ramairfreak98ss
12-19-2007, 12:40 AM
I paid 48k for my 06 crew cab short bed d-max. It is loaded leather electric everything, no money down,ext 6yrs warrinty,taxes tags, 6yrs loan 650 a month.

Well your either mis informed about what you paid, the monthly payment or the term... only because $650mo. x 72mo =$46,800. If you paid 48k+tax in your state, + your finance rate unless its a GM 0% offer, your either paying well above $700mo. , financed longer than 6yrs if thats possible or did put "some" money or trade down.

Ramairfreak98ss
12-19-2007, 12:41 AM
wow you gave 46000 for your truck?! sticker was $47,88x I think thats not too bad considering 7% sales tax in dirty NJ and the commercial registration, although they did ONLY register it for 8000lbs not 19k like i wanted. at 8k, i was overweight if i didnt take a crap before i hopped in for a ride :hammerhead:

I had other dealers only come down to 44,xxx for a non lariat, non two tone paint, no fancy option F350s...heck with that

ATL Lawn
12-19-2007, 03:49 AM
http://atlanta-sod.com/truck.jpg


02 Ram 1500 $285mo
07 Silverado $268mo

AI Inc
12-19-2007, 06:48 AM
$438 for an 08 ford ranger, the f 350 and e 350 are paid off.

TXNSLighting
12-19-2007, 08:55 AM
6.0 liter, '03 model, I have read and heard all the bad news. I don't want to comment further and jinx the truck.

Might've been the reason I talked them down about 7 grand below blue book.

i figured it was. just couldnt tell for sure. everyone needs to look at his. its an 03 6.0 that has been very good to him. their not all bad like the majority of people say. its mostly hear say anyway. yours is a good one like my uncles 03 6.0, his just hit 300k with no problems.

TXNSLighting
12-19-2007, 09:06 AM
sticker was $47,88x I think thats not too bad considering 7% sales tax in dirty NJ and the commercial registration, although they did ONLY register it for 8000lbs not 19k like i wanted. at 8k, i was overweight if i didnt take a crap before i hopped in for a ride :hammerhead:

I had other dealers only come down to 44,xxx for a non lariat, non two tone paint, no fancy option F350s...heck with that

how weird. super cab lariat 4x4's in your model year sticker for bout 45,000 bucks. therefore you can get them for 37-38,000. thats a significant difference...they wouldnt come any off the sticker? i woulda gone to a different dealer.

cutbetterthanyou
12-19-2007, 10:59 AM
Well your either mis informed about what you paid, the monthly payment or the term... only because $650mo. x 72mo =$46,800. If you paid 48k+tax in your state, + your finance rate unless its a GM 0% offer, your either paying well above $700mo. , financed longer than 6yrs if thats possible or did put "some" money or trade down.

I will have to check. It is 650 for 6 yrs and the taxes,tags,gap insuance, and warrity are included in the loan. So maybe I only did pay 46800 i looked at so may trucks that day i am probable just confused.

TXNSLighting
12-19-2007, 11:09 AM
theres no way your payments are 650 financin that much. even at 0% intrest its still 670. and at say 5% its 785 a month...somethins not right.

cutbetterthanyou
12-19-2007, 11:27 AM
Just checked it was 44k for the truck which brought it to 611. Then the taxes, tags, gap insurances, and ext warranty brought it up to 650. It is 72 months 0 % thats is why i put no money down and finaced everything.

TXNSLighting
12-19-2007, 01:47 PM
alright that makes more sense.

paradise32258
12-19-2007, 01:57 PM
just bought a 01 f350 v10 with 65,000 miles on it i pay 415 a month, and we pay 450 for our 06 4door chevy 1500 LT

TXNSLighting
12-20-2007, 09:35 AM
be careful with that 01. watch for plugs flyin thru your hood!! ha! no yours should be fixed by now.

BurkartLandscape
12-20-2007, 04:52 PM
2004 chevy sivlerado 2500 hd 4x4 with only 28000 miles on. i am paying a $300 a month payment and another 140 for all my insurance. pretty good i think.

Ramairfreak98ss
12-21-2007, 09:15 PM
how weird. super cab lariat 4x4's in your model year sticker for bout 45,000 bucks. therefore you can get them for 37-38,000. thats a significant difference...they wouldn't come any off the sticker? i woulda gone to a different dealer.

I was at several dealers, most would only budge 4-5k off the total price, if you upgrade my truck to a crew cab, sunroof, 20" wheels tires and king ranch package

I think the sunroof is $900 something, 20s over 18s are $1k with tires and crew cab is 2k.... Ive seen lots of these for $51,xxx on lots last year.

I actually have a pic here of a 06 Crew cab Lariat for $50,075, it has 20s and its a crew cab over mine, i guess thats 3k difference.

I had dealers not sell me a crew cab XLT that stickered $47,xxx for $43,500, it was their truck month crap or whatever too, they were dying to sell a car on the 28th of the month and i walked out and that was that.

Ive never known anyone to get a super duty or even a GM 2500/3500 truck thats sticker was 47-48k for almost 10k off, i only wish

Ramairfreak98ss
12-21-2007, 09:19 PM
Just checked it was 44k for the truck which brought it to 611. Then the taxes, tags, gap insurances, and ext warranty brought it up to 650. It is 72 months 0 % thats is why i put no money down and finaced everything.


that helps :) I tried to get my 06 at the end of fords 0% deals, then everything they had left over was junk, nothing power, no colors asside from black, white or maybe silver, crap wheels, no tinted rear windows, lots of f250s and no 350s, all single or crew cabs no extended cabs, lots were not diesel... Then i was going to settle for one finally and my NJM insurance woudlnt even quote me on another truck because my older truck was still on my non commercial policy. Took over two weeks for them to send me back a quote for the new truck, only to find out i can't switch from my current policy to commercial because of my driving history, so i had to get a quote from another commercial company... in October 10th 06, it was too late for any good financing right when i found exactly the truck i wanted that other dealers had previously 80 miles away for $47k+

txgrassguy
12-21-2007, 11:25 PM
In October '05 I ordered a cab and chassis F350 Super Duty crew cab and spec'd a stake body dump to be installed as part of the package.
Got the truck a little over four weeks later.
Paid $500 to order, no additional money down and pay $572.00 per month at 1.7% interest.
Crunched the numbers and the interest will cost me right at $1600 for the five years I agreed too.
Other than chrome simulators I ended up cutting the top two side rails off of the rails to lower the profile so I didn't have to climb three stories into the bed.
I'll take pictures tomorrow and post.

Tharrell
12-22-2007, 06:38 AM
My new '07 GMC 2500HD Classic SL1 monthly payment is 485.00 and the insurance is 56.00. I didn't put any money down on it though. Tony