I'm refinancing this terrible loan and the bank person grimaced when they saw this.
this post was submitted on 03 Apr 2025
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I took a loan out on a brand new car many years ago, a 6 year term with 17% interest (don't do that, kids). But I was able to refinance to ~4% a year later, we knocked another year off the remaining term (5 years to 4 years), and I still ended up paying less per month than the original payment.
I miss that car sometimes. It was a 2012 Kia Soul, and I really liked it. I went on a 3-week business trip a few years ago, and my rental happened to be a 2021 Kia Soul in mustard yellow. I loved every minute of it.
I bought a used 2018 Kia Soul about 6 months ago. I love it. Still paying it off, but it's super, super reliable.
I have a loan right now that is at like 3%. I can pay it off now if I wanted to, but it's so low that I can easily make more money by putting it away and collect interest on it. It would be kinda nice to get a new car, but where this country is headed, it's not worth it. I feel bad for the younger generations and what lies ahead for them.
I've got four paid-off vehicles (2 cars, 2 motorcycles), and am about to acquire another car (W123 diesel Benz) from my wife's grandmother who is no longer able to drive.
I don't care to have any more car payments, and I hope it stays that way for a long time.