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Topic Review (Newest First)
08-05-2012 11:07 AM
imccrea Well the thing is if you wait 2 months it will lose at least $1,000 in value since the 13's are on lots.
08-05-2012 08:01 AM
Originally Posted by Elizabeth View Post
Depending on your credit they can roll it over into the new loan.
If your credit is good, it shouldn't cost any more. If your credit is so-so, it will raise the interest rate...
My credit is fine, but I'd rather not roll $3000 or more into a new loan. I don't need to, I have the cash, so I guess I will just take it to the dealer and see from there. I don't want to pay more into it than I have to in order to clear the loan, as this thing has depreciated so much it would be throwing money down the toilet.
08-05-2012 01:43 AM
Elizabeth Depending on your credit they can roll it over into the new loan.
If your credit is good, it shouldn't cost any more. If your credit is so-so, it will raise the interest rate...
08-04-2012 05:02 PM
wntrwhte Being upside down in and of itself is fine with me-- I can pay it down but I only want to pay it down enough to be able to trade it in-- so I need to know how much to throw at the loan to get out of this car.
08-04-2012 04:46 PM
Elizabeth Usually to not be upsidedown on the loan takes two years at least.
If you find the right dealer and pay full list on the new car (and a ST may be like that anyway IE they will not discount it) you could get 'extra' for your trade if they want it.)
When i sold my 1996 Mercury Mystique to buy a 1999 SVT Contour at full list, I got an 'exceptional' good trade in on the Mystique.One point is right now dealers are still unloading brand new 2012s and so your car as a used car has less than normal value due to new 2012 discounts, right now.
If you wait three months, your 2012 value will be higher than right now.
08-04-2012 04:45 PM
imccrea You will have negative equity to deal with, the issue you will run into is dealers having the same vehicle as you but being certified pre-owned where you don't have that ability.

I have several 2012 pre-owned SEL or Titanium Focus that are also Ford certified.

They range as low as $18,970 for a sedan to $19,970 for a Hatch that is a 302A with moonroof with 26k miles.

Ideally you'd hope to get $16,000-$17,000 out of it but it just depends on options and the market.
08-04-2012 03:21 PM
Real trade in values for 2012 SEL?

Through a variety of circumstances I've come to realize that my 2012 SEL is not for me.

I am debating swapping it for a 2013 Titanium or ST. But I'd like to know what a dealer would REALLY give me for the following car:

2012 Focus SEL 402A
Mileage 14,575 at the moment

sticker price was right around $25k.

NADA shows me that clean trade in is right around 17500 and black book clean is 16500.

Am I screwed in terms of trading this in? I realize the mileage is a problem. I owe about 19000 so I'd have to come up with the difference ASAP to unload this car and get one without the dual clutch.

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