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Old 09-15-2013, 07:26 PM   #1
Noob Saibot
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Question about 2014 ford focus ST3

Hi so right now I'm considering on getting the 2014 focus st, I have a full time job and 2 cars to trade in...

a 2006 Honda Civic si with 120k miles and a 2007 Ford Focus SE with 55k miles I was wondering with trading 2 cars in I could get a monthly payment at or below 200 (I can have a payment of near 300 just shooting for at or below 200 for now.

The civic si was a West Virgina car so it's pretty good condition, also the Focus was my great grandmothers so yeah, it's awesome haha.

It's something I'd like to do in the middle of october but not sure if I will be able to reach my goal of a low monthly payment

Also I have a co signer with amazing credit history and awesome credit score so getting the loan shouldn't be an issue ^_^

Also does ford have a first time buyers program?


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Old 09-15-2013, 09:55 PM   #2
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Quote:
Originally Posted by Noob Saibot View Post
Hi so right now I'm considering on getting the 2014 focus st, I have a full time job and 2 cars to trade in...

a 2006 Honda Civic si with 120k miles and a 2007 Ford Focus SE with 55k miles I was wondering with trading 2 cars in I could get a monthly payment at or below 200 (I can have a payment of near 300 just shooting for at or below 200 for now.

The civic si was a West Virgina car so it's pretty good condition, also the Focus was my great grandmothers so yeah, it's awesome haha.

It's something I'd like to do in the middle of october but not sure if I will be able to reach my goal of a low monthly payment

Also I have a co signer with amazing credit history and awesome credit score so getting the loan shouldn't be an issue ^_^

Also does ford have a first time buyers program?
Not sure that is doable.
Check out all of the available discounts (student, military, etc), to qualify for some, you need to be a member for so long. Since you are looking to purchase down the road a little, you might be able to join an organization for $80/yr and get a $500 credit off car. Also check out social media (FB, tweeter, etc) by liking, friending, following you can sometimes get additional $$$.
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Old 09-15-2013, 10:15 PM   #3
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Yeah I might definitely be getting ST2 instead to get around the monthly payment I want, definitely going to do what I can to get stuff lowered..
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Old 09-15-2013, 10:16 PM   #4
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If I could find a used ST3 in MA that'd be a little more doable as well but considering I can't find a good used ST3 in MA I won't be going that route
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Old 09-15-2013, 10:29 PM   #5
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Well, someone's a Mortal Kombat player...

But anyway, look at what you have. In dealer terms, you have old cars to trade in. I'd expect 8-10k tops for both. DO NOT TELL THEM YOU HAVE A TRADE UNTIL YOU ARE DONE HAGGLING. If you do, they will simply stay firm on the sticker price of the car and haggle over the trade values. Haggle the car first get a deal in writing, THEN tell them you have trades and haggle on those too. DON'T LET THEM TAKE THE CARS FOR PENNIES ON THE DOLLAR.

You're better off selling on craigslist or autotrader for a much more realistic value, anyway.

For an ST3 on a very good deal, you're looking at 26k~ out the door with a strong set of discounts and some haggling.

That leaves you 16-18k to finance. At 0% for 5 years, that's $270-300 per month.

Getting it down another 1/3 will require a healthy downpayment on top of your trades.
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Old 09-15-2013, 10:51 PM   #6
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I am trying to sell the si privately then trade the focus in. According to kbb trade in is at about 6400 but I could get much more privately selling my si... Just wish someone wanted to buy my si haha
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Old 09-15-2013, 11:45 PM   #7
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I am trying to sell the si privately then trade the focus in. According to kbb trade in is at about 6400 but I could get much more privately selling my si... Just wish someone wanted to buy my si haha
Used cars are in demand so stick to your guns. I have a Ford 500 that KBB says was worth $5k retail. Trade in offers ranged from $1800 to $3500, so shop around and don't feel bad walking away on their first offer.

Look into those others options I mentioned. You should be able to get $2k of rebates before any actual cash back offers. (FB, Farm Buearu, college, etc.)
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Old 09-16-2013, 09:17 AM   #8
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Wish I was still in college for the college rebate, but yeah definitely gonna keep looking around for cash back offers. I mean right now I have no expenses just a job that I make about 10/hr with and getting a raise in December/January so I think I can afford a new car finally. My only expenses would be car payment, and insurance
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Old 09-16-2013, 01:08 PM   #9
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Wish I was still in college for the college rebate, but yeah definitely gonna keep looking around for cash back offers. I mean right now I have no expenses just a job that I make about 10/hr with and getting a raise in December/January so I think I can afford a new car finally. My only expenses would be car payment, and insurance
$10/hr and you are thinking of buying a new $25K+ car???

Noooo... You would be much better off keeping what you have.
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Old 09-16-2013, 08:09 PM   #10
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I also have no expenses right now, and as much as I'd like to keep my car it's hitting 120k miles and next year we're doing a big move and switching everything up. Basically the ford focus is my great grandmothers and since she can no longer drive she wants to trade it in. Rather than pay insurance and gas on 2 cars I'd much rather pay insurance on one car... Since the focus doesn't get driven and is basically useless I figure now is the time to trade in.

I have about 8000 in my savings as well but trying to keep that for monthly payments and what not.

I'm trying to only finance around 15000 or so...
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