Just Bought 2017 Cruze LS, Sub-Prime Credit, Wow!
Hi Everyone,
Just bought a 2017 Cruze on President's Day, with 8 miles on it, with a 542 Equifax/509 Trans Union FICO Beacon 09 Auto and $1220 down factoring trade-in '01 Buck Lesabre. Tool purchase for Uber fares. Had been relegated to Uber Eats due to the age of the Buick. $250 Hard Cash down, $970 '01 Buick Lesabre trade-in, 9.7% APR, $350 / Month, 73 Months, Fixed Interest through GM Financial, First new car. STRING of junkers before this.
Just over 1000 miles now. Followed 200 & 500 break-ins as much as practicable. Running great less the deposited sand from Uber fares (Clearwater Beach.)
Bought the extended Bumper-to-Bumper warranty, 3/36 to 6/72 for $111 x 18 months.
The GM Stage Kit, for $995 + $130/hr Dealership Time, looks attractive (10+ Horsepower, 2.75" Exhaust) as I haven't gone over 4,500 RPM per the manual; and don't plan to but once (racing my best friend's 2015 VW Golf Sport Wagon w/ Turbo from a dead stop.) Looking to NOT do anything that voids the Warranty.
The $375 Sport Suspension Kit also looks attractive. There also seems to be a Brake Kit for around $1,000. Not certain yet whether the Suspension and Brake Kits listed are for the 2016.5 Cruze that I bought,
Any advice from 1,0xx miles?
Cheers.
Just bought a 2017 Cruze on President's Day, with 8 miles on it, with a 542 Equifax/509 Trans Union FICO Beacon 09 Auto and $1220 down factoring trade-in '01 Buck Lesabre. Tool purchase for Uber fares. Had been relegated to Uber Eats due to the age of the Buick. $250 Hard Cash down, $970 '01 Buick Lesabre trade-in, 9.7% APR, $350 / Month, 73 Months, Fixed Interest through GM Financial, First new car. STRING of junkers before this.
Just over 1000 miles now. Followed 200 & 500 break-ins as much as practicable. Running great less the deposited sand from Uber fares (Clearwater Beach.)
Bought the extended Bumper-to-Bumper warranty, 3/36 to 6/72 for $111 x 18 months.
The GM Stage Kit, for $995 + $130/hr Dealership Time, looks attractive (10+ Horsepower, 2.75" Exhaust) as I haven't gone over 4,500 RPM per the manual; and don't plan to but once (racing my best friend's 2015 VW Golf Sport Wagon w/ Turbo from a dead stop.) Looking to NOT do anything that voids the Warranty.
The $375 Sport Suspension Kit also looks attractive. There also seems to be a Brake Kit for around $1,000. Not certain yet whether the Suspension and Brake Kits listed are for the 2016.5 Cruze that I bought,
Any advice from 1,0xx miles?
Cheers.
1 - 13 of 13 Posts
Good for you. I picked up mine brand new also, but have good credit. Took advantage of the no money down 0% interest for 72 months. The suspensions, I would take a gander at the bilsteins B6 HD series
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Sent from my SM-G925V using Tapatalk
Congrats on the new car! I'm really surprised your interest rate wasn't 18%. I filed bankruptcy years ago, and on the day it discharged I was able to get a brand new car, but I had to pay 18%.
Welcome to CruzeTalk! Congrats on the purchase! :welcome:
Welcome to the forum from an uber driver the best thing you can do is go to an accessory store like the zone or advance and get a cigarette lighter powered dustbuster
Congratulations on the new car!
As always, credit is a very personal experience. I've had people with a 450 get bought and had people with a 750 get turned down. Don't base the entirety of your credit opinions on a number; there's a lot more to credit than a score.
As always, credit is a very personal experience. I've had people with a 450 get bought and had people with a 750 get turned down. Don't base the entirety of your credit opinions on a number; there's a lot more to credit than a score.
I had no idea.Congratulations on the new car!
As always, credit is a very personal experience. I've had people with a 450 get bought and had people with a 750 get turned down. Don't base the entirety of your credit opinions on a number; there's a lot more to credit than a score.
Congrats on your first new car, that's a great feeling!:jump:
Really? You're welcome to PM me if you'd like a deeper understanding.I had no idea.
Why I even had a mod make fun of me here for my 10.9% rate which is now 5.9% after a BK while waiting for a pretty big Semi vs Car settlement!Congrats on the new car! I'm really surprised your interest rate wasn't 18%. I filed bankruptcy years ago, and on the day it discharged I was able to get a brand new car, but I had to pay 18%.
@speedtrader, the $111 for 18 months for your GM Vehicle Protection Program is pretty pricey, especially for a 6/72 term contract. What is the deductible and the name of the company on the top of the contract? You should have 30 or 60 days to return it in full (applied to your loan). Perhaps drop by other local dealers and tell them you bought one at a competing dealer and see if they will give you a better price just to zing their competition
Thanks for the warm welcome guys! The WeatherTech Floor Liners look to be BOSS! $180 is fairly steep until they catch a nasty spill by a drunk passenger. Will get ASAP.
Got $260 in GM Points, 1pt=1$, for the purchase that are good at the Dealership's parts store. Need a hubcap ($54) as I scraped a curb the other night and scratched the front passenger cap. Otherwise, GM window rain guards & Hood Guard are enticing. Factory tint, looking to go 15% rear / 28% two front side windows + AS1 strip. Florida sun is brutal.
The stage kit is down the road and just for fun at $1.5K or so installed. Good tip on the Shocks too, thanks.
The Android auto is neat, except that the Uber app doesn't look to be compatible. Been having trouble with phone calls through the car. Phone is paired but pressing the phone button only brings up the Bluetooth pairing screen. The phone icon isn't highlighted and no dial pad or anything will display. Sadly, no steering wheel buttons on this one.
Overall, LOVE the Cruze. Black on Black may have been shortsighted though as Florida gets hot and it's tough to keep spotless. Impressed by the Continental Pro-Contact tires that came stock.
Anyone have a Gen2 with high mileage? How do they hold up? Looking to get a real job and quit Uber alltogether. But it pays the bills in the mean time.
Also, thanks for the tip on the extended bumper-to-bumper. Probably going to keep it though. Loyal to the dealership that sold it to me; even if a few hundred could be saved by shopping around with a rescind.
Got $260 in GM Points, 1pt=1$, for the purchase that are good at the Dealership's parts store. Need a hubcap ($54) as I scraped a curb the other night and scratched the front passenger cap. Otherwise, GM window rain guards & Hood Guard are enticing. Factory tint, looking to go 15% rear / 28% two front side windows + AS1 strip. Florida sun is brutal.
The stage kit is down the road and just for fun at $1.5K or so installed. Good tip on the Shocks too, thanks.
The Android auto is neat, except that the Uber app doesn't look to be compatible. Been having trouble with phone calls through the car. Phone is paired but pressing the phone button only brings up the Bluetooth pairing screen. The phone icon isn't highlighted and no dial pad or anything will display. Sadly, no steering wheel buttons on this one.
Overall, LOVE the Cruze. Black on Black may have been shortsighted though as Florida gets hot and it's tough to keep spotless. Impressed by the Continental Pro-Contact tires that came stock.
Anyone have a Gen2 with high mileage? How do they hold up? Looking to get a real job and quit Uber alltogether. But it pays the bills in the mean time.
Also, thanks for the tip on the extended bumper-to-bumper. Probably going to keep it though. Loyal to the dealership that sold it to me; even if a few hundred could be saved by shopping around with a rescind.
1 - 13 of 13 Posts
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