With a Budget of 20K What Daily Would You Buy?

[DenkiMan!]

Personally I'd go with a Subaru Forester 2.5 XT Sports Turbo and lower it (wish we got the STi version). LOVE how that thing looks

You can also probably get a '13-'14 Fiesta ST for around 20k. i work with someone who has a '14 and it's a peppy hot hatch with great gas mileage. yes Ford, but it's a well done car. same with the newer Focus ST's.

Or wait till the prices on the new 1.5T Civics come down and get yourself manual (the CVT auto sucks ass). the aftermarket support for those cars will get intense in the coming months. (plus, fun fact; Seibon featured a full prototype kit for the sedan at SEMA that was absolutely bonkers)

[Highway Riding]

335XI Sedan.. That's my daily and got it used for well under 18K with under 62,000 miles a few years back. Granted i needed a new radiator and turbo gaskets but that has been it during 3 years of ownership!

[TheRealSy90]

Would be nice I'm sure. My uncle payed in full when he bought his 2014 Silverado brand new from the dealership for over 40k... It took him since his early 20's to save up that money since he swore he'd own a new truck some day and would pay cash...
I'm not trying to save up for that long haha.


I saw a Fiesta ST in front of me yesterday and got to hear it leave a stop light, little car sounded pretty awesome.


1.5T civic is really peaking my interest as well. 6mt of course.

[[240sx]]

Originally Posted by hanzbrady

This is my position, I just work and drive to much to daily a project. Warranties and maintenance plans appeal to me in my quarter-life crisis.

Originally Posted by TheRealSy90

Now I'm bored with the daily 240 and keep having this thought in the back of my head that I should just get a "new" car on a payment plan.

X3
My daily commute is just too much to justify some of the cars I'd like to replace the 240 with. Besides the fact that car notes SUCK, nothing new currently appeals to me. Hell if my commuting miles were in the single digits, I'd be daily driving somthing from the late 60s/early 70s! '66 Chevelle with an LS swap for now, and another one with a big block once the wife graduates.lol

But on topic, WRX 'blobeyes' are cool.

Sent from my SM-G930P

[VROOOM]

I just bought a new Fiesta ST for a little over 20k. you can get a used one with the Recaro package for under 20k easy. they are quick enough for around town fun and handle amazingly well. go test drive one.

[STEEZxIT]

if your commute is relatively short, an xj cherokee is perfect.

that engine will see beyond 300k miles if properly maintained. cheap parts, easy to work on. plus you can tow the racecar with it, all for under $5k.

[exitspeed]

Yeah I just saw a red CX3. I'm going to reiterate my nomination.

[Tempast]

My next car is planned to be either an imported Legacy B4 wagon, or a '98-'02 Stagea 250 RS Four-S (280 horse, AWD, manual trans and an RB25DET.
I want a wagon because I like to be able to haul crap in the back (you wont believe how much crap I've fit in my Z before) and I want AWD for the bit of snow we get on the west coast of Canada. 280 horse is nice too. Half the drift kids have RB's and parts for RB's so the RB25 is relatively easy to work on for me.
Also both are priced easily under 10 for a minty one with 40-60k miles. (60-100k kilometers)

[Corbic]

Originally Posted by Sonic Motor

As much as trucks are the best idea ever, he's looking for a coupe / hatch back that's smaller with good MPG. I put my truck in there to at first.

Corbic - What kit is your truck running? Looks great, I have a camburg race kit, TRD big brake kit, race hubs, and boxed spindles sitting in the garage that I'm still collecting parts to finish the front of my 08 tundra. Really liking your tacoma

Not mine. I'm stock TRD Off Road with 32" Goodyear Wranglers. I'll get a pic tomorrow.

I'd go long travel if I went south, LT and salty roads don't go well.

That truck is Total Chaos I believe.


This one of my favorite builds -





https://www.tacomaworld.com/threads/...-thread.25735/

[Corbic]

Originally Posted by zombiewolf513

car payments are for suckers. If I can pay in full, I do.

Considering how low interest rates are, dropping $20k cash on a car is iditoic when that can be invested or used to pay off higher interest debts like student loans, credit cards and medical bills. That type of cash can also be used for a down payment on a home because "renting is for suckers".

[CrimsonRockett]

Originally Posted by Corbic

My only daily?

Same one I have now, Tacoma.

Sporty, reliable and fun to drive with tons of practicality.

Originally Posted by Corbic

Considering how low interest rates are, dropping $20k cash on a car is iditoic when that can be invested or used to pay off higher interest debts like student loans, credit cards and medical bills. That type of cash can also be used for a down payment on a home because "renting is for suckers".

See this at work all the time. Plenty of clients paying $40-50k cash. I get the whole not wanting to owe thing, but when you can be making more money investing that type of cash, it's kind of stupid to not take advantage of subvented rates and putting that money to work.

Currently DD'ing a 2016 Tacoma TRD Sport. $40k MSRP with all the added factory options. I've had it for a little over a year now and probably going to switch out of it in the next few months for a 4runner TRD Pro or something of that sort.

Sticking with a practical daily in the $20k range, Infiniti G37 4-door in the somewhat "luxury" line. For fuel economy, Lexus CT or a Prius (if you could bring yourself to doing that).

I personally stick with leasing. I have multiple cars to switch around in which helps keep the miles down, it's pretty convenient in terms of maintenance (just about everything covered for the duration of my lease), and being in the car business helps in finding the best deals.

Having crunched the numbers quite a few times, it doesn't cost me a ton more to continue leasing cars. Definitely nice to drive something new every year or two.

[ZenkiKid]

Crimson has a point with the CT. That would be a good choice.

[Future240]

Originally Posted by Corbic

Considering how low interest rates are, dropping $20k cash on a car is iditoic when that can be invested or used to pay off higher interest debts like student loans, credit cards and medical bills. That type of cash can also be used for a down payment on a home because "renting is for suckers".

Not to mention you can drop 20K on a car then minutes later somebody could run a light and wreck it. You are basically assed out as insurance still paying value of vehicle.


In the real world if I had 20K, no way in hell I'd blow it on a car. I'd pay off all debt minus student loans and take the other 14K, get a loan from a bank for around 9K, ad 4K to it from the 14K. Take the other 10K and let it sit in a bank somewhere.

[Corbic]

Originally Posted by CrimsonRockett

Currently DD'ing a 2016 Tacoma TRD Sport. $40k MSRP with all the added factory options. I've had it for a little over a year now and probably going to switch out of it in the next few months for a 4runner TRD Pro or something of that sort.

I love the 4Runners. I had a 3rd Gen. sadly I'm addicted to having a truck bed now. Maybe if I gave up race cars and got into having babies.


As promised.

11 years old, 187k miles, 100% paid off and mine.

[Corbic]

Originally Posted by Future240

Not to mention you can drop 20K on a car then minutes later somebody could run a light and wreck it. You are basically assed out as insurance still paying value of vehicle.

A good insurance company pays out what it's worth. If you paid $20k and 5 minutes latter get hit, you should get $20k.

Never put money down on a lease however. You won't get that money back since you don't own the vehicle.

[Future240]

Originally Posted by Corbic

A good insurance company pays out what it's worth. If you paid $20k and 5 minutes latter get hit, you should get $20k.

Never put money down on a lease however. You won't get that money back since you don't own the vehicle.

Key words there. Plus I mean more of lets say a year later or sometimes even 6 months later. Plus insurance pays on value based on general price not one's personal sales price. If you put 20K down on a 50K car worth 30K (extreme example I know). Your insurance will pay 30K and you will be assed out.


I had a lady put 27K down on a car she bought for like 44K. When we value it at like 31K she was pissed. Until I showed her another dealership like 20 miles from where she bought hers, that had a car 2 years newer, with less miles and the exact same options as hers for $35K.


She had an interest that was in excess of 6% on a 72 month loan for a car older than 2009.


Agreed on the lease thing. At work all the time i have to explain to people how their total loss on the lease they don't get shit because they are not the owner of the vehicle.


I am not the lease type. I get it for some, like Johnny's example but me, no thanks. I'd rather drive something for 15+ years. Hell I would STILL be dailying the S14 if the KA had not crapped out on me.

[zombiewolf513]

Originally Posted by Corbic

Considering how low interest rates are, dropping $20k cash on a car is iditoic when that can be invested or used to pay off higher interest debts like student loans, credit cards and medical bills. That type of cash can also be used for a down payment on a home because "renting is for suckers".

Originally Posted by CrimsonRockett

See this at work all the time. Plenty of clients paying $40-50k cash. I get the whole not wanting to owe thing, but when you can be making more money investing that type of cash, it's kind of stupid to not take advantage of subvented rates and putting that money to work.

Originally Posted by Future240

In the real world if I had 20K, no way in hell I'd blow it on a car. I'd pay off all debt minus student loans and take the other 14K, get a loan from a bank for around 9K, ad 4K to it from the 14K. Take the other 10K and let it sit in a bank somewhere.

All valid and by all means the more practical option for many people.

[future]

Why spend so much?

Buy a previous gen Honda Fit in stick

[SlideWell]

JZX100 and call it a day.

[hanzbrady]

To address the price posts, the reasoning to spending so much is simply that as I stated I'm a millennial, meaning that unless I've been banging out penny stocks I don't have 20k cash to spend, but I do have good credit and 20k is the price point for many used cars less than 5 years old that you can still get a reasonable loan for.

[Corbic]

Originally Posted by hanzbrady

To address the price posts, the reasoning to spending so much is simply that as I stated I'm a millennial, meaning that unless I've been banging out penny stocks I don't have 20k cash to spend, but I do have good credit and 20k is the price point for many used cars less than 5 years old that you can still get a reasonable loan for.

Go to a credit union. 2-4% interest and you can finance anything up to 110% of its book value.

Terms are normally under $10k is less then 48 months. Over $15k 60-72 months.

[Future240]

Originally Posted by Corbic

Go to a credit union. 2-4% interest and you can finance anything up to 110% of its book value.

Terms are normally under $10k is less then 48 months. Over $15k 60-72 months.

To add to this some credit unions will change rates depending on year of vehicle going so far as to refused to finance past some years (one of mine won't do past 7 of the current year)

[Corbic]

Originally Posted by Future240

To add to this some credit unions will change rates depending on year of vehicle going so far as to refused to finance past some years (one of mine won't do past 7 of the current year)

My experience has been the big federal ones are the unions to use.

NASA Federal Credit Union
Navy Federal Credit Union
USAA


Locals/Regional can be hit or miss.

But they'll always be better then comparable banks.

5/3 Bank valued a Evo 9 at like $8k when my buddy talked to them. It's like, okay I'll buy 6 at that price please.

KBB lists a Evo 9 at $22-28k.

Last of the 4Gs.

[Future240]

Originally Posted by Corbic

My experience has been the big federal ones are the unions to use.

NASA Federal Credit Union
Navy Federal Credit Union
USAA


Locals/Regional can be hit or miss.

But they'll always be better then comparable banks.

5/3 Bank valued a Evo 9 at like $8k when my buddy talked to them. It's like, okay I'll buy 6 at that price please.

KBB lists a Evo 9 at $22-28k.

Last of the 4Gs.

Mine was a federal one then later became "financial".


I don't know why people bother with 5/3, wells fargo, bank of America, etc. Credit unions just make so much more sense.




Checked rates for gits n shiggles

12 Months 1.24%** 12 Months/ $83.91 per $1,000
24 Months 1.49%** 24 Months/ $42.32 per $1,000
36 Months 1.69%** 36 Months/ $28.51 per $1,000
48 Months 1.69%** 48 Months/ $21.56 per $1,000
60 Months 1.69%** 60 Months/ $17.39 per $1,000
72 Months 1.99%** 72 Months/ $14.75 per $1,000
84 Months 1.99%** 84 Months/ $12.77 per $1,000

[future]

I feel paying full is a pride thing.


If I can buy anything and pay less then 5% interest over years and years with nothing but build credit why the fuck not. Paying in full does 0 but empty it put bank account

[zombiewolf513]

Originally Posted by future

I feel paying full is a pride thing.


If I can buy anything and pay less then 5% interest over years and years with nothing but build credit why the fuck not. Paying in full does 0 but empty it put bank account

Some people absolutely do not like having money held over their head and they're financial/credit situation might allow it.

I'm not saying I'm a lending expert, but those reasons make sense to me.

[future]

I have no point to argue with you. Just food for thought

[RB IMPORTS]

Get a Nissan Skyline

[driftsucky]

Credit Unions? PSCHHHTTTT!!! You guys are a bunch of saps. Spending a large wad of cash on a depreciating item is for suckers!!!!

Alright. got out all my economics 101 banter.

For a usable, reliable coupe that is good/decent on gas, I'd go G37. I'm 6'3" and over 300lbs and it(G35) had enough room for me and my stuff (not including family). I imagine you're single and significantly smaller so you should be good. Plus, it's a Nissan in uppity clothing, so you're good there.

For a fun hatch, Focus ST>Fiesta ST for spacing and utility. Fiesta ST>fOCUS ST for fun factor.
Honda CRZ is good for...whatever Hondas do. So, there's that.

[Corbic]

Originally Posted by driftsucky

says spending money on depreciating asset is stupid, recommends Japanese luxury car.

Uh, okay, that made sense.