Hi everyone. I’m purchasing a new car in the LA area that has an OTD price of approximately $55,000. With financing rates as “low” as 5.25% (local credit union) and as high as 7%(dealership), I’m at a crossroads as it seems buying outright does not seem encouraged nowadays. Rates aren’t low as in the past where it seems investing could give a higher return than loan interest rates. My gross income is around 160-170k/yr. Is there any investment opportunities out there where it’d be worth to finance instead? Should I purchase outright?
It’s pretty hard to beat an after tax guaranteed 5% return. So that is likely your best option (pay cash). But if paying cash would significantly deplete your reserves you may want to take the loan and pay it off gradually (maybe over a year or two depending on your new savings)
It’s about the math. 5.24% in after-tax dollars. Assume your marginal tax rate is 20%, so multiple by 1.2 = 6.288%
If your best savings account is earning 6.288 or better, finance the car. Otherwise you are losing money (on a depreciating asset, no less).
Edit – I see not having my glasses didn’t help and your interest rate is a basis point higher. Same equation applies when you update the math
Why take a loan when you can purchase it outright. I will just never understand that kind of thinking.
Why take on debt when you don’t need to. pay cash for the car and be done with it
Cash. Always cash. Unless 0%…then maybe still cash.
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