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  #1  
Old 10-24-2013, 12:58 PM
Trumanater Trumanater is offline
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Unhappy Thinking about getting a new ram?!?! HELP

I am 16 years old I have $10,000 saved up and I have a job! Would it be smart to finance a new or fairly used dodge? What year? Any other information I should know? Please no hate.
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Old 10-24-2013, 01:07 PM
Asur Asur is offline
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It really depends on the incentives. When I was looking for a used truck 2011 the used truck like what I wanted with 25k millage were going for around 25-27k, a new 2012 with O millage had a 11k incentive so I got a new 2012 for 26k. You can still swing some deals out there. Dealers have some 2012 still on the lot and 2014's are out, I would go look around first, see whats out there.
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Old 10-24-2013, 01:28 PM
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Ok cool thanks Asur!
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Old 10-24-2013, 01:52 PM
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You as a minor cannot finance anything as minors cannot be held contractually to a debt. Now having said that, if you look on your local craigslist you should be able to pick up a good running but maybe not so good looking truck and use it to hone skills in mechanics you might otherwise not be afforded. By this I mean, swapping out exterior panels, seats, dashes and even some engine stuff like CAI (Cold Air Intake) and suspension upgrades. When you are a bit older, then you could use this truck to trade in on a newer one and thus begins the process of buying, paying on and off and trading it in. Who knows you might actually never buy a new vehicle and choose to do the repairs to an older one as part of fun.

Either way best of luck.
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Old 10-24-2013, 01:56 PM
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I wouldn't finance one even if you could OR your parents did it for you and you gave them the money.

I'm willing to bet you aren't guaranteed that job for the next 3-5 years (which is probably how long you'd finance for) so you can assume you'll have steady income to pay that off. Just because of your age. What if you decide to go to college and don't work anymore? then how are you gonna pay your truck payment?

you can get a damn good truck for 10K buddy. maybe a few years old, but still in great shape
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Old 10-24-2013, 02:38 PM
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check Craigslist buy something you like and that's in good mechanical order find something for around 6-8 grand pay a mechanic to look over it that way you have money to pay to register it and pay for a year of insurance up front. Then all you have to worry about is putting gas in it for a year then you can save money for mods( because mods happen)...thats what I did when I was 16 but with way less money and minus the mechanic cause my dad is one by my senior year it looked amazing and was ready to put a 350 in it(s10) then got t boned so ruined my plan but none the less its a good route to go...congrats on saving that kind of money
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Old 10-24-2013, 03:48 PM
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I have to agree with these other guys. Since you're only 16 and don't really know what's ahead of you as far as work and such goes I wouldn't recommend financing a new truck. It would be a better idea to find something that's a few years older in good shape. Buy it flat out, and then have some play money to by mods and such for it. You don't want to get yourself into a situation where all you can afford is your truck payment and nothing else. Once you've graduated high school and made a decision about going to university or getting a super steady job then I'd look more into financing a new truck. Plus as others have said, you're too young to get financing right now anyway and probably wouldn't be approved for lack of credit history as well.
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Old 10-24-2013, 04:12 PM
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I support the GET A MECHANIC to look it over, and if your school has a auto shop you might get them to look it over for pizza. Either way best hundred you could ever spend.
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Old 10-24-2013, 04:18 PM
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Thanks for all the great answers!
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Old 10-24-2013, 05:02 PM
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imho, putting your hard earned cash into a vehicle that will depreciate is a mistake. how are you getting around now?
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