![]() Speaking for salesman, lol dont be offended but we find it quite annoying when ppl come in and say, ya im not buying for a year but waht do you have,? well sir. Why? anything you see/find wont be there in a year, will be different, price will be different, interest rates will be different, wait till your closer to making a decision. While still a year away, we were going to begin a casual search for a new vehicle. My wife and I did a Smart Buy on our G6, and it will be up in February 2012. It's making sure publicly-traded companies are not pulling an Enron. Contrary to popular belief, "Certified Public Accountant" doesn't mean filing the general public's tax returns at H&R Block or making one's financial decisions. However, she is an auditor, not a financial analyst. Different strokes for different folksįWIW, my wife is a CPA. This was what she wanted to reward herself with, and SmartBuy was the means to do so at the time. According to Dave Ramsey, financing any amount, even traditionally, is not a smart financial move. My wife wanted the car and that's how she could afford it as a recent college grad. Not everyone is worried about if they are wasting money vs the gratification of fulfilling a desire. Smart Buy got her the payment she wanted ($312) on a $30k car. She had her heart set on a G6 coupe and a budget of under $350/mo. It was purchased as my wife's first car after graduating college. This wasn't purchased as an investment (ie: not anticipated to be kept longer than 3-4 years). Could someone refresh me on what the options will be at the end of the Smart Buy term? We are able to trade or sell this at any time previous to the end of the term, correct? IIRC, the forecast value was around $10k, but I do not believe the vehicle to be worth that much at this time (08 G6 GT coupe, all options except 3.9, 40k miles). ![]() My question is, with everything that's happened at GM the past two years, have those of us still holding a Smart Buy note been affected? While I understand GMAC holds the financing, I do not believe Smart Buy has been offered for quite some time, correct? What has motivated us to start thinking about what we want to do is the current 0% for 60, $1500, and no payments for 4 months we'd like to jump on that should something similar be offered next year at this time. We're also considering refinancing the balloon payment and keeping it another year or two.
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