Mth 20

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I want a Dodge viper gts?

I currently work at a retail job in NJ, I get $7.75 an hour I have worked 25-30 hours a week,
I have nothing other than paying a car payment to worry about.

Plus, I am on my parents insurance

I have no credit history though, can I still get it?
It costs around 30,000-38,000

No, I bank will not give you a loan for that... at least they shouldn't.

You have to think of the following when considering a car... and I recommend overpricing the costs to be safe.

Gas: $200/mth or more for a Viper.
Insurance: $200/mth or more (going rate around here)
Registration: $50/yr
Repairs: ??? your a young driver... your gunna ride the brakes and rape the clutch which = $$$ on a Viper.

Total: $4850.00/yr

Car Loan:
$38,000 / 60 month (5 year loan)
= $633.33/mth + 20% interest (est)
= $760.00/mth payments x 12 months

Total: $9120.00/yr

Bills:
Car payment: $9120.00/yr
Other costs: $4850.00/yr or higher

= $13,970/yr

Your current income:
$7.75/hr x 30 hours
= $232.50/wk x 52 weeks in a year
= $12 090/yr - taxes

= Under $12,000/yr
-----------------------------------------------------------------------------

Its nice to dream but its simply not even feasible to pay the car loan, gas and insurance... let alone if you have to fix the car or ever going out with your gf or friends.

Look at some cheap pos point A to B car until you are out of school and make some decent cash... hell I drove the same 85' Corolla from the age of 16 to 25 full time, payed $400 for it... put roughly 300,000 miles on it and $2000 over 9 years for oil & fluid changes, tires, brakes etc... and sold it for $900.

Hope that helps :D

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