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Minchkin 08-23-2012 05:43 AM

Ford Focus ST
 
I have a 2009 Focus SES Coupe and I need a bit more room, 4 doors but I still want a fun car and was wondering what I should do. I bought my '09 in December and it has 95k miles on the clock and I pay 400 a month. How much would I get it for in a trade? And how much down would I need to keep my payments at or below 400? I was hoping to get the ST3 package for the HIDs, but I can suffice and put them in later as aftermarket.

rsay777 08-23-2012 06:10 AM

Check KBB for market value of your car and then look at various financing options at your bank or CC.

cyfocus01 08-23-2012 09:51 AM

Edmunds.com is probably more accurate than kbb.

imccrea 08-23-2012 12:57 PM

You are going to get hit big for 95k miles on an 2009. As for keeping a $400 payment you'll need to finance around $24,000 depending on rate and term.

Minchkin 08-23-2012 05:41 PM

Ok. I was thinking around December-January time was about when I will be making my purchase. By then I think I would have around 5-6,000 saved u for a down payment. And I missed a couple payments on my '09. Would my trade and $5,000 down raise my chances of getting that financed? Family's a-growin and two doors is a problem. If not, what would I need? I am hoping to have this financed by myself.

misfire 08-23-2012 07:04 PM

I just saw an ST2 going for $491 a month. the rule of thumb is that every $1000 down drops your payment about $20 a month. So I would say to plan on about $6k down.

Newkleus 08-24-2012 10:07 AM

Quote:

Originally Posted by Minchkin (Post 4318135)
I have a 2009 Focus SES Coupe and I need a bit more room, 4 doors but I still want a fun car and was wondering what I should do. I bought my '09 in December and it has 95k miles on the clock and I pay 400 a month. How much would I get it for in a trade? And how much down would I need to keep my payments at or below 400? I was hoping to get the ST3 package for the HIDs, but I can suffice and put them in later as aftermarket.

Holy Hell, did you put absolutely nothing down? That is like a BMW or Mercedes-Benz payment. 95,000 miles? Got damn dude, you need to not drive as much. I drive 6,000 miles a year.

RonMaiden 08-24-2012 10:29 AM

We got $10k for my wife's '09 SE with 33k on the odo when we traded it in May on our 2012. I doubt the dealer will give you much more than $5k.

Minchkin 08-26-2012 07:22 PM

Quote:

Originally Posted by Newkleus (Post 4319881)
Holy Hell, did you put absolutely nothing down? That is like a BMW or Mercedes-Benz payment. 95,000 miles? Got damn dude, you need to not drive as much. I drive 6,000 miles a year.

Yeah. It was my first car and I wanted that specific one. I didn't have a trade and no down payment. I am surprised I even left with it at all. And actually, I do do a lot of driving, but I bought it with 74,000 miles on it already. Not to even mention my 5,000 + mile trip to California and back.


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