HOW MUCH IS MY MONTHLY PAYMENTS FOR MY 2021 DODGE CHARGER 392 SCAT PACK? AND TOTAL COST OVER MSRP.

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  • čas přidán 8. 07. 2024
  • In this video i will be going over HOW MUCH IS MY MONTHLY PAYMENTS FOR MY 2021 DODGE CHARGER 392 SCAT PACK and the total cost amount over msrp and how much i put towards my down payments.
    follow me on Instagram @merciless_392
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Komentáře • 1,1K

  • @healthycitizen1926
    @healthycitizen1926 Před 3 lety +27

    Atleast your honest respect

  • @CouchMan88
    @CouchMan88 Před 2 lety +49

    Nothing like walking into the dealership with good credit. With over 800 they just ask what car you want and do you want to put any money down. Of course they will still try to screw you on the price if you let them. Don't settle on the first offer they give you. Also once the first guy gives the price and they take you to sign the papers they will try to sell you every warranty and service they can to fluff up the price. So be aware of that. I always recommend gap coverage, although you can get it from your regular insurance instead of the dealer. The good part about gap is if you sell the car before you pay it off you can get a partial refund of the gap cost from the dealer.

  • @armandoperez2484
    @armandoperez2484 Před 2 lety +2

    Gracias bro we need people as you helping others!!! 🙏🏻

  • @williefanning4965
    @williefanning4965 Před 3 lety +2

    Thank you very much. You provided great context and excellent transparency. 👍

  • @talibxn.activado
    @talibxn.activado Před 3 lety +32

    thanks for the video bro , i’ve always been a truck person but im starting to get more into these muscle cars , i hope i can get as lucky as you with the payments 💰💪

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety +7

      Just shop around and go in the a set plan brother you got this 👍

    • @CM20022
      @CM20022 Před 3 lety +6

      @Jose Nava Chargers and Challengers are a good place to start for some american muscle cars .....for the price you get damn good performance and these newer models are looking better and better each refresh. New Challenger scat pack widebody with the shaker hood looks damn good. Some pretty cool paint colors as well... Hailraisin, Go Mango, F8 Hunter Green, and Frostbite are my favorites at the moment. Anyway good luck, hope you are able to get your hands on one.

    • @justpalms9978
      @justpalms9978 Před 2 lety

      I'm a truck guy and when I bought my ram 2500 a few years ago, I got to demo a hellcat. Fell in love with it. If I was buying though, I would get a widebody scat pack with manual!

  • @benjaminsamano6406
    @benjaminsamano6406 Před 3 lety +5

    Thanks for the video bro, good job on the negotiation.

  • @supergooddiet6521
    @supergooddiet6521 Před 2 lety

    Thanks for taking time to share details, helps alot

  • @matthowell8985
    @matthowell8985 Před 3 lety +46

    Nice ride. I know it's tempting to just get the Hellcat but if you don't want $1,000 a month car payment the 392 compromises a little bit and performance but doesn't compromise at all and style. Nice choice

  • @jamesamanna5617
    @jamesamanna5617 Před 3 lety +16

    Great video I have a 2021 scat. The dealer wanted me to finance with them. My advice go to your bank. I got it down to. 2.5% and the dealer said. 4.5. No way. Shop around is the best way to go.

  • @nitalyadallas1988
    @nitalyadallas1988 Před 2 lety +1

    Thank you so much for this video. It has been very helpful🙂.

  • @moneybagz82
    @moneybagz82 Před 2 lety

    Great video my guy!! Very informative!!💪🏾

  • @StarBellySneetch
    @StarBellySneetch Před 2 lety +11

    Hey man, thanks for the good info and pep talk on how to get this down properly. Finally where I can buy one fairly easy but having never been rich growing up, 700 seemed high and I know with decent credit I can now expect better

  • @out4lox262
    @out4lox262 Před 3 lety +255

    no offense to anyone, but you simply do not start with negotiating the payment. the payment is a function of the PRICE OF THE CAR. so, first, price. then, interest rate. the, how long is the term? dealers have many ways to take advantage of those who start shop by asking about the payment. dealers love that.

    • @fishgutz4272
      @fishgutz4272 Před 3 lety +25

      And be ready to walk out.
      Tell them you are going to look at a Veloster N. 😀😃😄😁😆

    • @SgtFurby
      @SgtFurby Před 3 lety +42

      100%.
      I have never negotiated payment because I know EXACTLY what I need to get the payment I want going in. I know my interest rate, I have financing lined up, I have loan term set in stone, all I need is the execution.
      "You get me (X) at (Y) price and I will take care of the rest."
      Done.
      You want me to finance with you? Go ahead and beat a 2.99% interest rate. Not going to happen in most cases.

    • @terrancemcclendon456
      @terrancemcclendon456 Před 3 lety +8

      Right because they know your eyes is bigger than your wallet

    • @out4lox262
      @out4lox262 Před 3 lety +1

      @@fishgutz4272 , lol, yeah. hardball.

    • @ScaredClub
      @ScaredClub Před 2 lety +16

      I worked at a dealership, dealership has no power. It’s the banks! No need for negotiations, go through your own bank.

  • @Fella100
    @Fella100 Před rokem

    Good video bro!!! u explained everything so clear & slow didn't rush anything it was very helpful! Ur car is sick ASF!! too

  • @mrgreen8887
    @mrgreen8887 Před 2 lety +2

    That Whip is cold Bro regardless. Just keep it forever !

  • @Ghost-gu3kn
    @Ghost-gu3kn Před 3 lety

    Great video thank you! All my questions in one video thanks

  • @MrJusmobile
    @MrJusmobile Před 2 lety +16

    They got you in another way that you don’t even see. They are experts: NEVER 72 months!! Longer you pay the more they love you.

  • @markbarrett2686
    @markbarrett2686 Před 3 lety +22

    Ramblin’ man. Sheesh!

  • @Black-ICE92
    @Black-ICE92 Před rokem

    Damn that was good man! Got to bring it down that low

  • @timstaton2839
    @timstaton2839 Před 3 lety

    Thanks for info..really helpful..Looking around now..Renting one to see if i like the Charger .impressed !

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety

      The charger is amazing brother, be sure to rent a v8 you won't regret it

  • @CM20022
    @CM20022 Před 3 lety +5

    Very nice charger, enjoy it, lots of fun to drive...I'm on my 3rd one lol

  • @Terrancerucker7
    @Terrancerucker7 Před 3 lety +3

    The grind don’t stop only way is up 🤘🏿🔥🔥🔥🤘🏿💯💯💯

  • @coreyindihouze9360
    @coreyindihouze9360 Před 2 lety

    Nuff respect fi the knowledge bro gad

  • @Dre-wq7ul
    @Dre-wq7ul Před 2 lety

    Can't wait to upgrade mines 🔥thanks

  • @wmean45
    @wmean45 Před 3 lety +18

    You got a great deal the dealer not gonna let you leave with good credit and 3k nice scat !!!!

  • @charlesbrown9535
    @charlesbrown9535 Před 3 lety +237

    For future reference don't ever go into a dealership saying where you want your payment at! You let them negotiate with you first then you work from there! I work for a dealership and believe me they got your ass!

    • @out4lox262
      @out4lox262 Před 3 lety +33

      yes. of course! FIRST you need to know what the actual price of the car! THEN the interest rate, and term. ALL THAT that GIVES you the payment!

    • @wiljohn2011
      @wiljohn2011 Před 3 lety +34

      I use my credit union auto financing. I just bring a certified check to the dealership. No haggling and BS from the dealer.

    • @Radeongt28
      @Radeongt28 Před 3 lety +2

      they will always ask that first too. huge red flag

    • @305dadecountyy
      @305dadecountyy Před 3 lety +9

      Tuh, all I do is pay it in cash, Ian wit that monthly payment or financing or car notes.

    • @mauricevickers7444
      @mauricevickers7444 Před 3 lety +4

      @@wiljohn2011 you still have to negotiate a price for them to write a check to give to the dealership..

  • @luismanuelnegrin7657
    @luismanuelnegrin7657 Před rokem +1

    Nice ride brod.!!

  • @laquitaskinner3226
    @laquitaskinner3226 Před 2 lety

    Thanks for sharing, Im about to place an order next week for the 2022.

  • @Smithboijr
    @Smithboijr Před 3 lety +3

    Bro thank u so much for the video this literally proved my wife about me trading in my 18 charger for a newer one with good credit and the total price can be cheaper than mines

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety

      Definitely. 👊🏿

    • @SgtFurby
      @SgtFurby Před 3 lety +4

      Now you have to pay off the depreciation of the new car and have another 6 year loan to deal with.
      Awesome.

    • @petermontgomery7323
      @petermontgomery7323 Před 2 lety

      I traded my 2018 scat pack for my 2021 scat pack. Purchase price for my 2018 scat was $35,611. Trade in was $36,700. I made money on it. If you get the right deal there is no depreciation on them. Rolled the $10k into my new one and my payment is wayyyyy lower! And I got 0%\72

    • @SgtFurby
      @SgtFurby Před 2 lety

      @@petermontgomery7323 I can trade my 2018 R/T for about $25K. It's never been doable before, but current market conditions increased the price of used cars 30, 40, and 50%. 2019 and early 2020, the value was about $18K. Now is 25K.
      I wouldn't call it "setting up the right deal" so much as it is a market condition (used cars) far exceeding its normal limits.

  • @karrisjade5531
    @karrisjade5531 Před 3 lety +20

    Thanks a lot, I hope to get one 2022 working hard for it!

  • @frankjohnson5936
    @frankjohnson5936 Před 3 lety

    Happy you got the car you wanted bruh,good luck an be safe

  • @fashiongoat3952
    @fashiongoat3952 Před 3 lety +1

    Most definitely got a new subscriber

  • @itsreallyhim9549
    @itsreallyhim9549 Před 2 lety +4

    Such a beautiful car 🔥🔥

  • @vandykeebbin4762
    @vandykeebbin4762 Před 3 lety +36

    It’s always best when you go to your bank and get a loan like for me I would have called my Langley credit union bank that is a Air Force bank and got a loan for 41,000 with 2.1 interest or lower and maybe been at 520.00 a month

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety +3

      Your right

    • @snowmanggaming3708
      @snowmanggaming3708 Před 2 lety +3

      if you got a good relationship with your boss, you might be able to ask if you can loan some money from the business.

    • @El_Johnny02
      @El_Johnny02 Před 2 lety

      @@snowmanggaming3708 true

  • @1SRTBANK
    @1SRTBANK Před 3 lety +1

    Nice Video Thanks For The Heads Up 💪🏽

  • @CriTmurKin
    @CriTmurKin Před 2 lety +1

    Great video bro, the hat is🔥🔥 wondering where I can get one like that

  • @chasesosa6046
    @chasesosa6046 Před 3 lety +14

    This video was extremely helpful. I watched the whole thing and I’m going to subscribe. I wish I had you when I bought my current charger. Only one question. Let’s say they release the electric version next year and you decide you want that. Could you possibly get out of your finance and upgrade or would you be tied to that car until you pay it off. Either way great car!

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety +3

      Preciate the luv fam, and yeah you can trade in but you might have positive or negative equity on your car.

    • @LSp8
      @LSp8 Před 2 lety +1

      They can keep that EV shit! These cars will only go up in value. I'll gladly be stuck with a Hellcat, last NEW car I need

    • @tannerlucier2475
      @tannerlucier2475 Před 2 lety +1

      @@LSp8 have fun getting gapped

    • @LSp8
      @LSp8 Před 2 lety +2

      @@tannerlucier2475 hey life ain't perfect. Everyone's gonna get gapped one way or another. Long as you're happy with whatever overpriced car we all end up with

  • @israelrodriguez2344
    @israelrodriguez2344 Před 3 lety +9

    I would say avoid leather seats because when its hot you will burn yourself and regret it but i love the car and the video. You are also helping people like me (17 btw) in advance on what to expect.

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety

      Preciate it fam,

    • @Kmclemore
      @Kmclemore Před 3 lety +3

      When you have dark tint, leather doesn't get so hot.

    • @MrKewlplayer
      @MrKewlplayer Před 3 lety +3

      And... when you spill something on fabric interior it stains and it stinks...not to mention it looks dirty...and cheap.

    • @LSp8
      @LSp8 Před 2 lety

      Cloth sucks, hard to clean and feels cheap AsF! I got full leather in my R/T with a nice 2 tone contrast and tints take care of the heat. Plus these cars come with factory remote start standard so that hot interior complaint is so far in the past its crazy. Just hit the remote start and boom, AC on + seats are cooled/ventilated. I can't stand the leather edges offered as an expensive option on the Scat Pack. This nonsense or cloth only are horrible options and if u want full leather you gotta choose a R/T, Daytona-392/SRT-392 (when they were available) or Hellcat.

  • @kingsaco
    @kingsaco Před 3 lety +1

    Great video Bro!!!!

  • @GenesisReyesPhotography

    Great content ! simple , real ... you need your mind straight up and know what you want cause if you don't know -----they do

  • @bc5891
    @bc5891 Před 3 lety +7

    I always take advantage of the promos 0% interest for 60 months for a better ROI when the decision is made to upgrade/trade in.

    • @AlienGrade
      @AlienGrade Před 3 lety +1

      Nope you get all the Discounts from the Manufacturer then you refinance next month with your own Credit Union 1.9% pay on the first of the month not the due date, pretty damn close to O% but you save 10k in incentives and rebates.

    • @richierich9187
      @richierich9187 Před 3 lety

      @@AlienGrade now that is some advice

    • @keetholean2706
      @keetholean2706 Před 3 lety

      @@AlienGrade what if have a bank

    • @AlienGrade
      @AlienGrade Před 3 lety

      @@keetholean2706 credit unions have better interest rates than banks

  • @reloadingdontshoot1
    @reloadingdontshoot1 Před 3 lety +13

    Up here in Canada my 2021 RT Daytona is on its way from thr factory. Its going to be around 55k all in. My credit score is like 830 and ive got 30k for the down payment. Aiming for around $200 bi-weekly for 60 months. Im so hyped!!

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety +1

      Nice 👌

    • @dgvertical
      @dgvertical Před 3 lety +9

      55k for an R/T? sheesh bro… way too much lmao

    • @negahplz1156
      @negahplz1156 Před 3 lety +3

      @@dgvertical it’s Canada bro

    • @reloadingdontshoot1
      @reloadingdontshoot1 Před 3 lety +4

      @@dgvertical Scat is 68K, Redeye is 104K lol. We get the shaft up here

    • @tigerblood3692
      @tigerblood3692 Před 3 lety

      Something dont sound right bro, you can get a scat widebody for that and a lot cheaper with a down payment like that 🤔

  • @ironheadjim1
    @ironheadjim1 Před 2 lety

    Very good vid, thanks

  • @kingstorm7188
    @kingstorm7188 Před 2 lety +1

    I rock with that durango . Cool collection

  • @asianfusioncafe
    @asianfusioncafe Před 3 lety +16

    I also live in Florida i negotiated 4k down from trade in equity i had in my 2018 charger scat trade for paying 455 for a lease. I got a good deal on a 2020 wb challenger scat paying under 500 on a lease. I got it under sticker. I agree with you the cloth seats are better and for 2k on Alcantara i rather save that money. Congrats on your deal my mopar brother.

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety

      Thank you 🙏🏾

    • @ohboy2592
      @ohboy2592 Před 3 lety +5

      You are paying almost $500/ month on a car you’ll never own? That’s bad use of your money.

    • @trainwithtray
      @trainwithtray Před 3 lety

      @@ohboy2592 you probably rent a home you will never own.

    • @ohboy2592
      @ohboy2592 Před 3 lety

      @@trainwithtray 🤣🤣 I’m not even 50 and my house will be paid off in a few years. Both cars paid off and I have no other debt 😆😆😆😆. GTFO of here snowflake. I rented an apartment for 3 years and then bought. Renting anything is bad use if your money.

    • @trainwithtray
      @trainwithtray Před 3 lety

      @@ohboy2592 snow flake? You dont see my icon pic? 😭. But of course you got all that shit paid off. You got about 20+ years of life more than us.

  • @jamiewilliams3179
    @jamiewilliams3179 Před 2 lety +7

    Car payments are dependent on your credit, people with bad credit will have higher interest rates which means they pay more per month than people with better credit. So it doesn’t make sense to ask people what their car payment is, you should ask them, what was the total price of the car.

  • @rudymundo8165
    @rudymundo8165 Před 2 lety

    👌💯🍒thanks for the tip bro awsome ride 👌 wish I got one be safe

  • @arnoldgarcia9827
    @arnoldgarcia9827 Před 3 lety

    Great vid bro , I’ve been looking around For an RT Durango or SRT & scat still can’t Decide but like you say shop around

  • @damonwolf9105
    @damonwolf9105 Před 2 lety +6

    Thanks for the informative video. I just got my 2022 Scatpack decently loaded for $950 a month out the door on 2.9% rate, 72 months... and with $0 down. MSRP'd for $57k and some change, then tax and all that jazz, so I don't feel like I did TOO bad. But it's still a massive as hell payment that I hate to see. But these cars are getting harder to find and I plan to keep it for life, so I am overall pretty happy.

    • @OneLoud392
      @OneLoud392 Před 2 lety +1

      2.9???? How’d you get it so low at this point in the economy

    • @damonwolf9105
      @damonwolf9105 Před 2 lety +1

      @@OneLoud392 If you finance through Chrysler on a 2022 they're doing some pretty good deal right now. My credit score isn't great, but it's not super bad, I think with a 700+ you can get as low as 1.9% apr right now on a new Charger, I'm not at a 700 though so 2.9% was my final apr. Did it on $0 money down too, so it worked out well. Total financed was couple thousand short of $70k once you roll taxes / title / fees / Mopar packages I opted in on. Going to the right dealership makes ALL the difference too, despite what some places tell ya, it is up to the dealership who gets approved and for what, banks only play a small role. I was denied a loan at several other dealerships, found the one I purchased my Charger at and they made no fuss, gave me the 2.9% and I was in my Charger and out the door. Find a dealership worth it's salt and they will make you a hell of a deal. Good luck!

    • @OneLoud392
      @OneLoud392 Před 2 lety

      @@damonwolf9105 that’s awesome, I’m probably gonna end up order a 2023 when they come out. Hoping I’m not paying too high MSRP but I did build a wide body scat off the dodge website and I’m thinking I’ll come out to approximately 65. Gonna end up getting myself a co-sign with a very high credit score and see how low I can go. I do plan on going pretty high with the down payment as well but I know for sure the interest rates gonna be a key factor. Do appreciate the knowledge!

    • @lefthanded5473
      @lefthanded5473 Před rokem +1

      This make me feel better about my 750 payment for 48 months on my Acura.

    • @psfanboy79
      @psfanboy79 Před rokem

      If you don’t mind me asking, what is your yearly gross income, round a bout nothing specific

  • @DLMlive
    @DLMlive Před 2 lety +8

    Nice car and yes I did the same thing on a new Mustang GT in 2015... worst decision I ever made at the time and 72 months was the kicker. I should have looked at the total cost of the car after 72 months and not how low my monthly payments would be! Most dealers are predatory and are trained to maximize profit with long term tactics. First came a two year lone, then three, then four, then five, then six, now seven... soon it will be ten and you'll have to pay off the car long after it is worn out and in the bone yard. I bought my first brand new Dodge Challenger in 1973 and it cost me $2442 with tax! ... and I took out a normal at the time two year lone. In 2105, the Mustang GT I purchased with all it's options came to $48,000... I sold my soul to have that car and I knew it was wrong, but it seemed the only way. Common today, a 72 month contract is now the new normal. Every thing now is sold by what the consumer can afford over time, not what it cost to produce. 2000% inflation for a new car since 1973 has everything to do with marketing and profit, and nothing to do with supply and demand, or cost to produce. Having what once took a lifetime to afford is now demanded by the youth of today right out of high school. Hopefully things change and more sensible options regain popularity. Oh If they would only once again produce a bare bones Road Runner with rubber floor mats, radio delete but a big 'Ol Magnum 383 for under $4000... would that be a dream ;)

    • @Trickafi
      @Trickafi Před 2 lety +1

      Never go with 72 months if you can afford it. Just got a 2021 Mustang GT Premium about 2 weeks ago. 60 month 0% financing on any ford vehicle if you qualify for it.

    • @One-12937
      @One-12937 Před 2 lety

      That’s because there are idiots out there financing cars for 6-7 years. These people that buy these cars can’t afford them. They sell them within 2-3 years and eat the depreciation, usually they only lose a couple grand or so.

    • @jadyncarlston7551
      @jadyncarlston7551 Před 2 lety

      thank you for this, talked some sense into me

    • @psfanboy79
      @psfanboy79 Před rokem +1

      They already have 10 year car loans

    • @Blitz0022
      @Blitz0022 Před rokem

      @@One-12937 still smart you got the use of it and lose 1-3k oh well or like me I do that but I still come out with profit 1-5k

  • @rawhiphop34
    @rawhiphop34 Před 2 lety

    Thanks for the video man, you explained it well and laid out important details I didn’t know… Good luck with the car!

  • @malayaspurpose7499
    @malayaspurpose7499 Před 2 lety +1

    can’t wait until I get mine coming real soon, congrats to u yo car tuff 🔥

  • @aymanlockhartable
    @aymanlockhartable Před 3 lety +25

    I like Challengers went through same thing but got better deal with Kia Stinger! Dealership giving it away with incentives because sales not strong even though great car. Great daily driver!

  • @blakskarface6520
    @blakskarface6520 Před 3 lety +18

    I run a dealership and this is why I don't give people over the phone or email quotes . The one Dealership did the right thing and did all of the work and you took it to the people who try to take advantage of you in the first place and brought the car there. 🤦🏾‍♂️

    • @kahlilk7724
      @kahlilk7724 Před 3 lety +1

      Who ever the first Sales person was should have asked him would he lease before he left being that he wanted a lower payment kinda a no brainer.

    • @oilstates
      @oilstates Před 3 lety +6

      I hate dealer sales men. You shop around for the best deal on anything you buy including a house. So why can’t you do the same for a car. Y’all car sales men all a bunch of greedy f#%ks in my book. Always say y’all giving us the best price until we come back with a better offer. Than all of a sudden y’all drop the price a bit more

    • @blakskarface6520
      @blakskarface6520 Před 3 lety +1

      @@oilstates yes but if I gave you the best price and you go back to a your local dealership who tried to rob you in the first place. What does that make you as a customer? 🤷🏾‍♂️

    • @marcusaurelius6873
      @marcusaurelius6873 Před 3 lety +3

      @@blakskarface6520Maybe a bit of a slimey move for sure but car salesmen are just as slimey. Maybe the price is good...what that apr look like tho? Tf is a "paperwork fee". Why am I gettin offered a "service contract" that adds 3000 to the overall price of the car if the car "runs like a dream"? Its a 2way street. Either get them or get got.

    • @oilstates
      @oilstates Před 3 lety +1

      @@blakskarface6520 a smart buyer. When I bought my last car brand new. I went to 3 dealerships back and forth between all of them and every time I return to a different dealership with a better price that dealer would beat the other’s price. The first price I got was 29k plus TTL. When I finally bought the car I paid 27,800 drive out

  • @mooseLaidbAck
    @mooseLaidbAck Před 3 lety

    Happy for you Bro!!maybe I Will get mine in few years

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety

      Preciate it. Go for it you won't regret it

    • @vandykeebbin4762
      @vandykeebbin4762 Před 3 lety

      Yeah I’m trying to get one too… brought my wife a brand new Lexus es350 and now I’m driving the soccer mom van so you know I need to get me straight now. Daytona or scat pac?

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety

      @@vandykeebbin4762 Daytona scatpack 💪🏾

  • @sunryse7025
    @sunryse7025 Před 2 lety

    That car is Super tuff💪😎

  • @donpagnotta5619
    @donpagnotta5619 Před 2 lety +6

    Nice video. Good info. You can refinance with a credit union to lower your rate to close to 2% after 6 months of payments.

    • @JJ-gr7th
      @JJ-gr7th Před 2 lety

      You can do it out the door after closing the deal. I refinanced mine the day after with my personal bank. 7% to 3.76%

    • @binoobl5277
      @binoobl5277 Před 2 lety

      @@JJ-gr7th for interest rate? 🤔

    • @JJ-gr7th
      @JJ-gr7th Před 2 lety

      @@binoobl5277 yes sir

  • @xBreezY1K
    @xBreezY1K Před 2 lety +4

    He said “idc if is a dollar over” 😂😂😂

  • @tacoma81
    @tacoma81 Před 2 lety +2

    Good for you brother. My only advice is next time go to you bank and get a car loan through them as their interest rates are always better than dealerships because dealerships will always look at ways to maximize their profits from you.

  • @skyweezynU
    @skyweezynU Před 2 lety

    that whole lemme talk to my manager tactic is all games!

  • @Flyguy3880
    @Flyguy3880 Před 3 lety +8

    @the jamaican bwoy I do appreciate this video a lot. I purchased a 2019 black scat pack, my monthly note is $580, and I went from giving them $600 bi-weekly, to 1K bi-weekly. I love my car, but I traded in my 2013 Chrysler 300s HEMI with 33K miles in 2019. My 2019 Scat Pack did have 4K miles on it, as it was not new, and my Chrysler was Branded a Lemon, so I only got 8K on the trade in. If the Chrysler SRT was still available in the states that is what I would have in my drive-way.

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety +1

      The srt 300 are nice too. But 580 is not bad at all my guy I know alot of folks paying 700+ for way older 392 with a lot of miles.

    • @toolbrothers1477
      @toolbrothers1477 Před 3 lety

      @@TheJamaicanBwoy because of bad credit 😂

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety

      Thats the main factor lol

  • @misteranderson3418
    @misteranderson3418 Před 2 lety +9

    My score was 715 and I was trying to purchase a $68,000 dually for hotshot but they wanted me to get a co-signer with good credit just to lower down payment. So basically credit is everything but everybody wasn't taught that

    • @manuelhurtado953
      @manuelhurtado953 Před 2 lety +4

      With a 715 you should be fine unless you don’t make enough income or you have never finance a car

  • @clos1764
    @clos1764 Před 2 lety

    Thanks for the detailed video. Did you built it on the Dodge website?

  • @samuelwilldoit3849
    @samuelwilldoit3849 Před 2 lety +1

    GOD BLESS AND PRAYERS AND WISHES🙏🏽❤️🙏🏽

  • @kingmoss3
    @kingmoss3 Před 3 lety +8

    I can’t wait to get my scat man

    • @cavitycreep
      @cavitycreep Před 3 lety

      I'd wait till the bubble burst, prolly by next year. It will be a hell of a lot cheaper!

    • @jaysnooze75
      @jaysnooze75 Před 2 lety

      @@cavitycreep bro plz further explain

    • @jaysnooze75
      @jaysnooze75 Před 2 lety

      Me too I got 25 saved towards it 😤🥺🥺🥺

  • @trevormaxwellsy8600
    @trevormaxwellsy8600 Před 3 lety +17

    1 Always Let Love Win. & Blessed Are The Righteous. Believing The Best Is Yet To Come. While Miracles Happen For Those Who Believe. Also, Trust The Vibes U Get. & Fight The Good Fight. +ALL THINGS GOD WORKS TOGETHER FOR THE GOOD !

  • @lisad9376
    @lisad9376 Před 2 lety

    Sweet ride!

  • @silverhorder1969
    @silverhorder1969 Před 2 lety

    I would never buy a used sport car unless it had a manual transmission. I think you made the right decision to buy new.

  • @_markdakxng_706
    @_markdakxng_706 Před 3 lety +16

    Next time. Work it out with them then go to a credit union. They will try to beat the credit union by trying to give you a better rate but they can’t.

    • @2kmessiah_350
      @2kmessiah_350 Před 2 lety +2

      So get the numbers sorted first then go to the credit Union ?

    • @miguelquintero1374
      @miguelquintero1374 Před 2 lety

      @@2kmessiah_350 yes, have to negotiate with dealer numbers and then bring that to credit union deny any warranty they add on you don’t need it it’ll bump up price you agreeing too and will cause paperwork issues

  • @fashiongoat3952
    @fashiongoat3952 Před 3 lety +4

    Thanks for the advice I’m 23 my credit is 740 I’m gonna wait another year I’m thinking about leasing one as well I needed this 🙌🏾💯

    • @SgtFurby
      @SgtFurby Před 3 lety +7

      From a 27 year old to a 23 year old, don't lease or buy a $40,000 car at your age unless you are pulling in some serious coin.
      I would much rather have $400/month extra to contribute towards my Options trading account, rather than putting towards my 2018 Charger R/T.
      Then I could make solid trades, more efficiently, with extra capital, and eventually buy a $40,000 car outright.
      5 - 6 year loans are stupid. You are young and have no idea what direction life will take you in 3 years, let alone 5 or 6.
      Save your money, invest your money, and buy the car outright or with a significant down payment.
      Only $14.5K left on my R/T. It's MSRP is $44.5K. I got it for $30K with 6,500 miles on it. Some other poor SOB paid all the depreciation for me. Fully loaded minus the Tech package. I could sell it today for about $25K.
      Good thing is I will never be upside-down on the loan.

    • @Steven_nguyen7
      @Steven_nguyen7 Před 2 lety +1

      @@SgtFurby good lookout

    • @psfanboy79
      @psfanboy79 Před rokem

      Lease it. Negotiate a good end of lease purchase price. If the car market is anything near what it is now at the end of your lease you can sell your purchase option to car max or hundreds of other dealers and make a good chunk of cash just for signing over the option to purchase. Look it up

  • @alexlawless6846
    @alexlawless6846 Před 2 lety

    He’s right. They’re GONNNAAAA do the deal. Whatever it takes. The cars are paid for by the bank, to the dealer, once they leave the dealership and those papers are signed.

  • @bassmanx357
    @bassmanx357 Před 2 lety

    Congratulations 🎊

  • @the_novice_lion392
    @the_novice_lion392 Před 2 lety +34

    Important to note, wherever they tell you the payment is going to be is an estimate. Until you get into the office with the finance guy you won’t know the actual price with any additions i.e. gap insurance. My credit is above 800 but I didn’t put much down on mine ($1,500). Which in hindsight I wouldn’t put any down.

    • @scumbob5157
      @scumbob5157 Před 2 lety +3

      Man how can i achieve that type of credit score, i turned 18 and plan on building it

    • @the_novice_lion392
      @the_novice_lion392 Před 2 lety +7

      @@scumbob5157 smart purchases honestly and paying your bills on time. That prevents bill collectors from sending your account to default. When I was 19 I bought my first car, a 1999 Plymouth Breeze for 13k. Depends on your budget, but I had my payments on direct allotment, so a hundred bucks per check would come out (I forgot the exact amount). I just made my payments on time and noticed that my score was increasing. Over the years I've paid off 4 vehicles, a motorcycle, and some other loans, so the score just kept increasing.

    • @DanteSkates
      @DanteSkates Před 2 lety +4

      @@the_novice_lion392 man i am 24 and i am just now getting started on my credit no one ever talked to me about it or helped me even my own parents i came out of highschool in 2016 without even knowing what credit was but i am going to get my cdl and just build my credit like that i wanna build it fast any tips?

    • @chuck5553
      @chuck5553 Před 2 lety +2

      Yeah I didn’t put anything down. At zero % I couldn’t justify it. I also had 3k equity in my trade. Yeah just cut me a check Love my scat

    • @christopherwilliams6143
      @christopherwilliams6143 Před 2 lety +1

      Dang Man U only put 1500 down? How much was ur month to month?

  • @michaelmorgan2360
    @michaelmorgan2360 Před 2 lety +3

    Me drunk asfk sitting in my garage wanting a new toy
    WRITE THAT DOWN WRITE THAT DOWN

  • @antwaan7439
    @antwaan7439 Před 2 lety

    I just got my 2021 Scat Widebody (every option available plus stripes) and my payments are just a hair below $800 per month with 0% interest and full coverage is costing me $82 per month. The payment would've been 100 bucks cheaper but I got the dealer extended warranty out to 100K miles and the "piece of mind" package where the dealer will cover dings, dents, and rim damage. This is my 3rd Charger and my previous two all wound up being struck multiple times while PARKED, so I'm protecting myself this time.

  • @sippiboy3024
    @sippiboy3024 Před 3 lety +1

    If you have a good used car right now the dealerships are giving top dollars for them because of the car shortage. Problem is you need to have a plan on what car you’re replacing it with. We got a pretty good deal this week.

  • @fishgutz4272
    @fishgutz4272 Před 3 lety +8

    Get an account at a local credit union. Always get pre-approval from there first. Often 2 to 3 points lower than the dealer.
    For the dealer down from 5% to 2.6% on one car.
    Credit unions beat the banks on interest, account fees, and service.

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety +2

      Thats is right

    • @tonzel1
      @tonzel1 Před 3 lety

      Also doing the mention you already know what your payment will be at it’s highest. Doing the mention gives you the edge to negotiate cash price for the vehicle. Doing so you can lower your payment be negotiating total price cause you will owe less than the credit union loan. No down payment out of pocket is need using this method..

    • @AlienGrade
      @AlienGrade Před 3 lety

      Solid advice, Also never buy Gap insurance or Extended Warranty by the time you need it it will have expired or the part you need it not covered, they do studies and cover mostly parts that do not wear, Do not buy Dealer Accessories ever overpriced to get you to finance them over 60 months!!

  • @MrKewlplayer
    @MrKewlplayer Před 3 lety +4

    Dude next time go through the fleet department of the dealership. Alot easier. You don't have run to 50 dealerships playing the back and forth game. Every major dealership has one. You can negotiate a price over their cost. Especially if its something that's common. New or used.
    Personally i would rather put $500 a month in a appreciating investment all those years instead of a depreciating asset. Payments steal your wealth.
    Nice ride though👍.

    • @churchboiswagger
      @churchboiswagger Před 3 lety

      Are you putting that 500 in a appreciating investment ?

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety

      I can manage my finances bro, preciate the pointers tho

    • @emptypocketsjobs3545
      @emptypocketsjobs3545 Před 3 lety

      @@TheJamaicanBwoy spending is NOT managing! Invest for your future.

  • @07truth
    @07truth Před 2 lety +1

    Have bought 20+ cars. Folks, you CAN negotiate both ways. Tell them the payment and term you absolutely need and they’ll work the interest/price accordingly.

  • @zxink1768
    @zxink1768 Před 2 lety

    Yo😂 I think you had a filter on or sum, yo jaw switchin

  • @ffwr-109
    @ffwr-109 Před 3 lety +8

    It all depends on how much you put down and what you trade in if you trade anything in.

  • @edwardcastillo3717
    @edwardcastillo3717 Před 3 lety +70

    Having good credit helps a lot to..

  • @psfanboy79
    @psfanboy79 Před rokem

    Leasing is the best option, in order to lease a car you need realllly great credit usually, but to purchase a vehicle you can get a loan no matter what your credit is in most cases. Sure you will get hit with a rough interest rate but you still have the ability to own the vehicle. With a lease there’s nothing negotiable when it comes to credit.

  • @georgepetrillo7316
    @georgepetrillo7316 Před 11 měsíci

    I think you did fine. The only thing I would have done was negotiate the sticker price down, add the down payment, finance the rest.

  • @pwnz27
    @pwnz27 Před 3 lety +24

    When you lease you are paying off the depreciation. If it's a high payment they are assuming the car is gonna be worth a lot When the term is done. Or the dealer is just screwing you.

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety +1

      That's y I went with financing

    • @williebender1895
      @williebender1895 Před 2 lety +1

      To be fair leasing write off better on your taxes than a buy depending on state .

    • @pwnz27
      @pwnz27 Před 2 lety

      @@williebender1895 not in texas :(

  • @Kacaroto13
    @Kacaroto13 Před 2 lety +7

    This is for a scat non widebody? Around here 55k is the average on widebody.

    • @jermz238
      @jermz238 Před 2 lety

      With the shortage it's hard to get a good price, dealers adding 10-15k markups! Just bought my widebody they had a 15k markup, sticker was 70k! Got them to take it down to 69k out the door, 0% for 72 months

  • @johnnynae55
    @johnnynae55 Před 2 lety

    You got a good payment for basically a base model scatpack I bought mine off the showroom floor no money down 580

  • @BTGGUOP
    @BTGGUOP Před 2 lety

    Need more vids like these tbh ❌🧢 and a wa u do mi gena besides from e CZcams cause mi know u afi keep wid e payments dem and mi a try get sum like e scat u have u zimi ….🇯🇲 and mi dey in a Florida to.

  • @shamar2891
    @shamar2891 Před 3 lety +4

    Thats a great price! Everything i've seen in my area is 48k +....

  • @jimmyhamm9737
    @jimmyhamm9737 Před 3 lety +17

    YOU NEED A TRIPOD IT WOULD HELP ALOTT ; GREAT VIDEO ; AND BEAUTIFUL
    PIECE OF MUSCLE CAR. NOT DONE WATCHING YET.

  • @dannydesh901
    @dannydesh901 Před 2 lety

    Any advice would be great guys

  • @jabarihickson4843
    @jabarihickson4843 Před rokem +1

    If you can’t get the scat pack the R/T is the next best thing! 💪🏽💪🏽

  • @josejuarez4224
    @josejuarez4224 Před 3 lety +113

    Me and my brother put 10k down last year on a 2020 scatpack and our payments were $661, drove it for a year and a half and just yesterday sold it at Carnax, they gave us $43,800, not bad we owed $36,714, so we walked out Witt some good equity and some good ass fun , by the way I got that bitch up to 175mph

    • @riontecooper3537
      @riontecooper3537 Před 3 lety +17

      Jesus Christ loves you, Repent and seek him

    • @VoltzyBoi
      @VoltzyBoi Před 3 lety +12

      @@riontecooper3537 Jesus? Jose's cousin? Course he loves him, they knew each other since they were wee lads. Always fiddling with each other's fiddle down by the playground. Good times.

    • @1hunchoscrilla
      @1hunchoscrilla Před 3 lety +6

      How u sell it while yall was still paying notes?

    • @chasesmith9398
      @chasesmith9398 Před 3 lety +6

      @@1hunchoscrilla dealerships have been buying peoples cars since forever. If you have positive equity they pay you that and take possesion of your car and pay your loan off. If you have negative equity then you pay the dealership the difference and they pay off your loan.

    • @1hunchoscrilla
      @1hunchoscrilla Před 3 lety +2

      @@chasesmith9398 ok ok lace me up cause I'm tryna get out my note w/o fuccin up my credit

  • @underconstruction6624
    @underconstruction6624 Před 3 lety +3

    I pay 840 for my 2019 Scat challenger. Interest rate 5%. I got it at 6,000 miles. 500 dollars down and I’m financing about 64 months. I’m refinancing through my credit union in a few months though to get lower payment.
    P.S. my credit score was 743 at the time of purchase (three months ago)

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety +1

      Damn g 743 and pay 840? Definitely gotta refinance fa sho. I only put 3k down, maybe because you did 64 months tho

  • @gregorydunn2716
    @gregorydunn2716 Před 2 lety

    That's dayum good!

  • @shelbyjetsutherland7898
    @shelbyjetsutherland7898 Před 3 lety +1

    Bigup Yardie, good content

  • @frankieshift7419
    @frankieshift7419 Před 3 lety +8

    Not bad I got screwed on the interest rate with 9% but I'm paying 600 a month for a 2018 scatpack 💪. Going to get a new loan for it after a year. When my credit is better.

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety +1

      9% with a 600 a month is not bad, as I said I've seen 800+ a month

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety

      @@UnknownPerson-ol3qr only 3k, would have put more but it didn't make a big difference in my payments

    • @AlienGrade
      @AlienGrade Před 3 lety

      How did you get screwed? Pay your bills on time. You pissed on your own pants. 😆

    • @frankieshift7419
      @frankieshift7419 Před 3 lety

      @@AlienGrade boy😂 I already refinanced it, btw it wasn't from me not paying my bills cuz my credit is good, I got screwed for not going with a credit union 🤦

  • @quiss345
    @quiss345 Před 3 lety +3

    I’m 16 this is my dream car what do you think I can start doing now to work my way to hopefully one day own a hellcat?

    • @quiss345
      @quiss345 Před 3 lety

      /scatpack

    • @TheJamaicanBwoy
      @TheJamaicanBwoy  Před 3 lety +2

      You only 16 You still have a lot of time. Save up some money and get your credit right, or a good cosigner

    • @Jay-ts5sq
      @Jay-ts5sq Před 3 lety

      First , don’t stress it bro bro, I was your age when I bought my scion-frs, 3 years later got me a camaro (44k) just be ready to hustle everyday , but don’t stress it at all Bc that does you bad 📈

    • @ngwadivine7036
      @ngwadivine7036 Před 3 lety

      Enroll in the military next year and thank me later

    • @AJ-pk8zk
      @AJ-pk8zk Před 3 lety

      I'm 17 right now, I got a general labour job last year at 16 at a warehouse for a bit. Don't blow your money on useless stuff like weed and keep saving bro. I done wasted too much money kush, wouldn't had another 2k at least 🤦🏾. I'm gonna grab a scat pack next summer

  • @deedrtv
    @deedrtv Před 2 lety

    Handsome man nice car man you blessed

  • @psfanboy79
    @psfanboy79 Před rokem

    A lease with a well negotiated end of lease optional purchase price is your best bet. People whose leases have finished up and had a decent purchase price in this current crazy car market made out like bandits. You can SELL your purchase agreement to other companies and in this case make a SUBSTANTIAL chunk of change just for signing over the option to buy!!!