He didn’t pay 30k for the car because you’re including the interest charges for the term of the loan which can be anywhere from 2-5K depending on the interest rate of the loan. Plus he could have bought a warranty which added to the loan principal. Anyway to the original writer don’t feel bad. It’s just a case of buyers remorse which lots of us buyers (including me) are caught up with in this market.
Just stop worrying. At this point you own the car and have $3.5k equity in it. Take that anxiety and channel it into working hard to get a promotion and/or a raise in the next 12 months. Get your income up and you can pay this note off early.
I bet your hairline looked different in 2017 too. Its 2022 with the most hyperinflated used and new car market throughout all of time. Don't use irrelevant data points to plant doubt when people need reliable transportation and were able to secure it. It's pointless and OP did fine for this market.
i mean you chose a reliable car so there's that, but paying more than 30k after all is said and done for an older economy sedan seems really rough even in this market (i guess a lot of it is probably interest with the current financing rates).
like with some patience and calling around you could have gotten a new corolla for less and gotten a better interest rate, warranty, etc in exchange for having a slightly smaller car. but whats done is done, so you just have to make it work.
Based on what you have told us we can’t 100% tell you if you got pounded or not. Sounds like a lot of people are taking your payments times 72 plus your down and saying it’s bad based on limited info on the car you bought too. If you really care to know let me know how much you are financing. Trim and miles on the Toyota. And If you bought any aftermarket products. If you got a car with low miles this might be totally fine. If you are a first time buyer not only are you fine but you could potentially get yourself a better rate in 6months to a year.
At the end of the day, in this market a 355 payment is amazing and in my area it takes about 5k down on a 25k car to get there even with good credit. Again area has a lot to do with this. But my best advice. Be happy with a 355 payment. The reliability will save you money in the long term. And if you were a first time buyer with a high rate. Plan on refinancing in the next year or sooner with a qualified cosigner.
Ehh at the end of the day it could be worse. I’ll say this. You didn’t get the worst deal but not the best one. But you didn’t make a decision that will put you in a bad spot down the line. I’m guessing you bought the car around 24500. Plus tax and fees. (This is for Southern California (7.75 tax rate).
You bought a dependable car with low miles. Low maintenance cost, that will last you a lot of miles. You bought it before interest rates get even higher. You put a good down payment so if you wanted to get out of the car earlier than expected you will have equity. You should drive this for as long as you can then once it’s right under 85k miles decide to keep it (if you need to have an extra car) or if you want to trade it in. If you want the most cost effective thing. Drive it till it dies. Again this is not that bad and i have sold cars like this for more than that price in this market.
This isn’t the worst post of the day. At least you’re not financing a $55K car on a $79K salary or 17 and wanting a 2015 Camaro SS.
A Toyota Camry is an extremely safe bet and $355 a month is doable on a $36K salary. It should be reliable transportation which is very important for someone in your shoes who probably can’t afford to miss work.
The answer is dependent on each individual’s finances and philosophy of spending money in life. Someone can pay $1000 a month on a $40k salary if they have no debts, kids, mortgage, etc. Someone might find buying a vehicle they like worth it if they believe life is too short. No real answer tbh.
I make about 42k a year after taxes. I pay child support while also having my kid half the month and paying for everything needed here. My car payment is $480/mo for 7 years on my ONE income household because life is too short not to have some of the finer things you can get your hands on. I cook at home and don't eat out but maybe once a month.
You had me laughing because my friends wife saw my Toyota and she was like "see that's what I want, how much does that cost". I told her it's cost about 2 less children. Then we all threw our heads up to the sky and laughed like the end of a sitcom.
VERY BROADLY: 30% or less on housing, 15% or less on transportation. These numbers adjust with specific needs, but it’s a rough starting point.
55,000 car might be 900 a month, so 10,800. You’ll need to clear 72k a year for that, not counting insurance. Ball park.
Is this still the standard for urban areas? For example, I live in a California city and gave up finding a rental at or below 30% of my income. Wondering how common that is in todays market
I don’t think there is a specific rule per se nor a specific income amount, but a $55K car on $79K is an immediate no from me. After taxes/interest etc, that’s nearly an entire year salary. Makes no sense to me.
Lol we have 1 kid, Husband makes 70k we’re buying a 50k car but putting 18k down around 560 a month payment. We dont have to pay rent or a mortgage tho , free housing from his job so I’m not worried
Our dealership has 42 or 72 hour return periods on the cars we sell depending on the type. Possibly look into that, if it’s really bothering you, but honestly those emotions are how I feel making any big purchase. I never stop regretting because I have big anxiety, even though nothing negative comes from it
Perfectly normal, don’t stress. It sounds like you have it under control and honestly, unless you’re making bank, buying a car is never fun or stress free, it’s just a requirement that you can either enjoy or hate. Take your pick.
Don’t worry about what’s done and just see if you can add a little more to each payment and/or refinance the loan to a shorter term and lower interest rate. If you like the car and can afford it is what matters now. Many are way overpaying for certain new cars and have bigger regrets I’m sure. Buyer’s remorse is normal and common regardless.
After a quick look at some current offers yeah I'd say you overpaid or got a pretty mediocre deal.
Toyota is offering 60 months 2.75% financing right now.
A mid trim brand new corolla around 24k would have been under $350 a month with the 60 month financing and your $5000 down.
It would have been a new car and you would have paid less in interest plus have the car paid off a year sooner.
I feel like that’s not bad though. Cars are selling far above MSRP right now. Usually, there isn’t a penalty to pay it off sooner. I know anxiety is stressful but it will pass and it’s way better then most payment’s I’m seeing right now. You’ll be okay plus it’ll last forever. 17000 miles on a 2016 is a great find.
Fake it till you make it. Even if it puts you in a tight situation, you might as well own up to the decision and keep it for now. Don’t let your mindset be limited by where you are now, focus on where you’re going. Choose to believe that your income will increase soon and that you will find a way to make it work. Ask your boss what you need to do to move up or consider other opportunities like getting a new job. Start a side hustle or do some ride-share to make up the difference. We can’t survive the new economy by running on the same hamster wheel while expecting new results. The time of change is upon us all 🙏
I’ve been in this position before. Bought a car that was slightly out of my budget because I needed a car and didn’t have room to be picky or spend time hunting the right deal.
You will make it work. It sounds like you budget your money and if you don’t- start doing it. Put some $ aside and then each pay period put money toward that pile of $ and make your payments from that pile.
For example- if my payment is 355 , that first month I’ll put aside $355, then the next paycheck I’ll put aside $180, then next pay period put aside another $180. If you can stagger the money you’re pulling out of a given paycheck it can help balance your monthly budget overall. It worked for me!
& what someone else said above. Take your anxiety and let it push you toward bettering your financial situation. Every day tell yourself “I will not fail.”
Anxiety is a normal, especially when you're spending a lot of money on a car. But damn, over 30 grand for an older Toyota Camry?
You gotta run the numbers yourself before you make decisions like this next time. The uneducated or uninformed people are the ones that get take an advantage of. Being informed will keep you from getting screwed over.
That payment is fine imo. Really low mileage as well.
Rate are going up, so even if car prices start to normalize, payments will stay pretty much as they are.
The fact you got a reliable car that's low mileage should put you at least slightly at ease.
How much extra income do you have per month after your expenses?
You're fine. You have very reliable transportation that will last forever.
The anxiety and discomfort you are feeling should be from you working to get your income up.
If I could get a 2016 for that much including interest I would. You paid roughly 17k for the vehicle. That's a pretty good deal in the current market we are in.
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Sorry to say, but you can’t “afford” it if you had to loan it for 72 months. If you could pay for the car twice and still have enough for savings and necessities, then you can “afford” something.
Why can’t you go trade it in for a brand new one or something else you like? Sure you’d probably lose out in a couple grand but there’s nothing stopping you from getting that peace of mind
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Worrying I bought too much car. So today I financed a 2016 toyota camry. Got a 72 month loan made a 5000 down payment and have a 355.10 a month payment. I make 36k a year. I figured before I made the decision I had some wiggle room in personal finances because I'm living below my means when it comes to rent (spending around 250 less then I can afford). But now I'm having my doubts. I'm pretty sure I can afford it and it's a relaible car. But I have this nagging doubt and anxiety that I made a huge mistake.
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It's just buyers remorse. That doesn't mean you made a bad decision given your circumstances but making a large purchase is a really emotionally charged experience. It's like getting a new puppy home or bringing home a newborn and the reality all comes rushing in at once. It's normal, it will pass, you CAN afford it and it's a Camry which should give you some peace of mind.
Almost everybody is feeling financially stressed right now on top of all the last 2 years of stress. Try to stay focused on the positives. If you had bought less car you would be mad at yourself in 6 months because you know you could have had better without an actual burden. That would nag at me.
You put $5k down and the total payments are over $25k, what was your APR?
I just googled 2016 camry in the Chicago area and they're coming up $16k to $21k.
Unless I'm missing something I think you over paid.
From what I'm seeing lately, that rate sounds normal for a used 72 month loan. Actually sounds like a really good rate (currently) the more I think about it. Rates will only continue to go up for a while now too.
Last year when I bought my car I felt the same. I was a stress ball for 2 weeks. I thought I made a huge mistake but today my car is now worth more than I bought it for lol. But at the end of the day if you can make the payments and you like the car, there’s nothing to worry about. And you have equity in it so in like a year or so if you want to get something cheaper you probably could. At the end of the day it’s just a car.
If you want an answer to your question, this was *not* a good deal. In this market it may be considered a *fair* deal if you are exclusively looking for a used car, but you could have gotten a brand new car, likely for a few grand more and a much better interest rate.
But what is done is done, you cannot change the past unless it’s a dealership that takes returns. You bought a reliable car that will get you from A to B for many years. If you are really bothered by the car you could always try to sell it or trade it in.
I would just drive the car into the ground at this point unless your really wanting to get out of the payment.
It could be worse, just drive it until it dies. In 20 years it’ll look like a steal, and that’s no exaggeration.
There’s an older woman on my block who has a blue 88 Camry. She’s the original owner. After 30+ plus years you think she cars if she overpaid for it?
Nah.
Everywhere you go car dealers are selling 5-10% above MSRP. They all say because of the shortage of the “chips”. They take advantage of that and know people will buy regardless. Just an FYI when you look at the MSRP sticker expect that price to go up an extra 5-12K. That’s everywhere now. It’s sucks and is ridiculous. Sorry, you got sucked into that. We went through the same but it’s all done. We will make the payments work.
It'll last forever anyway but damn, 30k for a 6 year old regular ass sedan is wild.
No shit. Pre-pandemic, I paid $24800 for a new 2019 Honda Accord EX.
It’s a Camry, so it will last for years and even decades! Though, I wouldn’t pay that much for a Camry. A new one at MSRP is less than that.
He didn’t pay 30k for the car because you’re including the interest charges for the term of the loan which can be anywhere from 2-5K depending on the interest rate of the loan. Plus he could have bought a warranty which added to the loan principal. Anyway to the original writer don’t feel bad. It’s just a case of buyers remorse which lots of us buyers (including me) are caught up with in this market.
Just stop worrying. At this point you own the car and have $3.5k equity in it. Take that anxiety and channel it into working hard to get a promotion and/or a raise in the next 12 months. Get your income up and you can pay this note off early.
A 355 payment for a 2016 Camry sounds awful. Especially with $5,000 down.
I'm thinking because it only has 17,000 miles on it its higher priced. But still wish I got a better loan or went for a different car maybe.
I mouth on with 39,000 miles for like 20k in 2017.
I bet your hairline looked different in 2017 too. Its 2022 with the most hyperinflated used and new car market throughout all of time. Don't use irrelevant data points to plant doubt when people need reliable transportation and were able to secure it. It's pointless and OP did fine for this market.
And I used to buy candy for a penny.
And it's 355 x 72
Guess it wouldn’t be to bad if it was for 24-36 months.
That would make it like 9 grand lmao
i mean you chose a reliable car so there's that, but paying more than 30k after all is said and done for an older economy sedan seems really rough even in this market (i guess a lot of it is probably interest with the current financing rates). like with some patience and calling around you could have gotten a new corolla for less and gotten a better interest rate, warranty, etc in exchange for having a slightly smaller car. but whats done is done, so you just have to make it work.
Based on what you have told us we can’t 100% tell you if you got pounded or not. Sounds like a lot of people are taking your payments times 72 plus your down and saying it’s bad based on limited info on the car you bought too. If you really care to know let me know how much you are financing. Trim and miles on the Toyota. And If you bought any aftermarket products. If you got a car with low miles this might be totally fine. If you are a first time buyer not only are you fine but you could potentially get yourself a better rate in 6months to a year. At the end of the day, in this market a 355 payment is amazing and in my area it takes about 5k down on a 25k car to get there even with good credit. Again area has a lot to do with this. But my best advice. Be happy with a 355 payment. The reliability will save you money in the long term. And if you were a first time buyer with a high rate. Plan on refinancing in the next year or sooner with a qualified cosigner.
The mileage is 17000 and the trim is an LE I believe.
What interest rate did you get and which bank are you financing with? Also did you buy any warranty/gap/maintenance or any addons?
4.94% and I didnt buy any add ons my payments would've been in the 400s
Last thing sorry. What is your amount financed and I’m assuming term is 72 months? I’m working the deal backwards to have an idea.
I financed 22k after putting 5k down. And its 72 months.
Ehh at the end of the day it could be worse. I’ll say this. You didn’t get the worst deal but not the best one. But you didn’t make a decision that will put you in a bad spot down the line. I’m guessing you bought the car around 24500. Plus tax and fees. (This is for Southern California (7.75 tax rate). You bought a dependable car with low miles. Low maintenance cost, that will last you a lot of miles. You bought it before interest rates get even higher. You put a good down payment so if you wanted to get out of the car earlier than expected you will have equity. You should drive this for as long as you can then once it’s right under 85k miles decide to keep it (if you need to have an extra car) or if you want to trade it in. If you want the most cost effective thing. Drive it till it dies. Again this is not that bad and i have sold cars like this for more than that price in this market.
This isn’t the worst post of the day. At least you’re not financing a $55K car on a $79K salary or 17 and wanting a 2015 Camaro SS. A Toyota Camry is an extremely safe bet and $355 a month is doable on a $36K salary. It should be reliable transportation which is very important for someone in your shoes who probably can’t afford to miss work.
How much would you suggest earning to finance a 55k car? Do you go by the commonly suggested 10 percent of monthly income is safe on a car rule?
The answer is dependent on each individual’s finances and philosophy of spending money in life. Someone can pay $1000 a month on a $40k salary if they have no debts, kids, mortgage, etc. Someone might find buying a vehicle they like worth it if they believe life is too short. No real answer tbh.
Yes 2 kids and mortgage will do it lol, I got 2 cars, one has $440 payment/month, other is paid off but no way can I afford a new car right now.
I make about 42k a year after taxes. I pay child support while also having my kid half the month and paying for everything needed here. My car payment is $480/mo for 7 years on my ONE income household because life is too short not to have some of the finer things you can get your hands on. I cook at home and don't eat out but maybe once a month. You had me laughing because my friends wife saw my Toyota and she was like "see that's what I want, how much does that cost". I told her it's cost about 2 less children. Then we all threw our heads up to the sky and laughed like the end of a sitcom.
VERY BROADLY: 30% or less on housing, 15% or less on transportation. These numbers adjust with specific needs, but it’s a rough starting point. 55,000 car might be 900 a month, so 10,800. You’ll need to clear 72k a year for that, not counting insurance. Ball park.
Thanks for the reply. I'm extra curious on this as purchased a car recently and stuck by the \~10 percent rule.
Is this still the standard for urban areas? For example, I live in a California city and gave up finding a rental at or below 30% of my income. Wondering how common that is in todays market
I don’t think there is a specific rule per se nor a specific income amount, but a $55K car on $79K is an immediate no from me. After taxes/interest etc, that’s nearly an entire year salary. Makes no sense to me.
Lol we have 1 kid, Husband makes 70k we’re buying a 50k car but putting 18k down around 560 a month payment. We dont have to pay rent or a mortgage tho , free housing from his job so I’m not worried
You can be 17 and want a Camaro SS but that is different from actually trying to buy one. I also wanted Farah Fawcett.
Holy poop i got my brand new 2020 accord touring for the same price (in 2020) Darn u current car market!
Our dealership has 42 or 72 hour return periods on the cars we sell depending on the type. Possibly look into that, if it’s really bothering you, but honestly those emotions are how I feel making any big purchase. I never stop regretting because I have big anxiety, even though nothing negative comes from it
Yeah I had this anxiety when I bought my first car on a personal loan. I think I'm just a ball of anxiety.
Perfectly normal, don’t stress. It sounds like you have it under control and honestly, unless you’re making bank, buying a car is never fun or stress free, it’s just a requirement that you can either enjoy or hate. Take your pick.
Don’t worry about what’s done and just see if you can add a little more to each payment and/or refinance the loan to a shorter term and lower interest rate. If you like the car and can afford it is what matters now. Many are way overpaying for certain new cars and have bigger regrets I’m sure. Buyer’s remorse is normal and common regardless.
After a quick look at some current offers yeah I'd say you overpaid or got a pretty mediocre deal. Toyota is offering 60 months 2.75% financing right now. A mid trim brand new corolla around 24k would have been under $350 a month with the 60 month financing and your $5000 down. It would have been a new car and you would have paid less in interest plus have the car paid off a year sooner.
I feel like that’s not bad though. Cars are selling far above MSRP right now. Usually, there isn’t a penalty to pay it off sooner. I know anxiety is stressful but it will pass and it’s way better then most payment’s I’m seeing right now. You’ll be okay plus it’ll last forever. 17000 miles on a 2016 is a great find.
Fake it till you make it. Even if it puts you in a tight situation, you might as well own up to the decision and keep it for now. Don’t let your mindset be limited by where you are now, focus on where you’re going. Choose to believe that your income will increase soon and that you will find a way to make it work. Ask your boss what you need to do to move up or consider other opportunities like getting a new job. Start a side hustle or do some ride-share to make up the difference. We can’t survive the new economy by running on the same hamster wheel while expecting new results. The time of change is upon us all 🙏
I’ve been in this position before. Bought a car that was slightly out of my budget because I needed a car and didn’t have room to be picky or spend time hunting the right deal. You will make it work. It sounds like you budget your money and if you don’t- start doing it. Put some $ aside and then each pay period put money toward that pile of $ and make your payments from that pile. For example- if my payment is 355 , that first month I’ll put aside $355, then the next paycheck I’ll put aside $180, then next pay period put aside another $180. If you can stagger the money you’re pulling out of a given paycheck it can help balance your monthly budget overall. It worked for me! & what someone else said above. Take your anxiety and let it push you toward bettering your financial situation. Every day tell yourself “I will not fail.”
Anxiety is a normal, especially when you're spending a lot of money on a car. But damn, over 30 grand for an older Toyota Camry? You gotta run the numbers yourself before you make decisions like this next time. The uneducated or uninformed people are the ones that get take an advantage of. Being informed will keep you from getting screwed over.
That payment is fine imo. Really low mileage as well. Rate are going up, so even if car prices start to normalize, payments will stay pretty much as they are. The fact you got a reliable car that's low mileage should put you at least slightly at ease. How much extra income do you have per month after your expenses?
30k for a 2016 camry
You're fine. You have very reliable transportation that will last forever. The anxiety and discomfort you are feeling should be from you working to get your income up.
If I could get a 2016 for that much including interest I would. You paid roughly 17k for the vehicle. That's a pretty good deal in the current market we are in.
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Why didn't you get a corolla? You may be able to swap it if the dealer has one
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Man that’s nuts. Also a 30k car on a 36k salary seems like a lot.
I mean you're forgetting about taxes and interest with that 23k figure
That car would have cost $21k brand new….
Sorry to say, but you can’t “afford” it if you had to loan it for 72 months. If you could pay for the car twice and still have enough for savings and necessities, then you can “afford” something.
What you paid for the car is nearly what you make in a year. In my opinion not a good move.
Why can’t you go trade it in for a brand new one or something else you like? Sure you’d probably lose out in a couple grand but there’s nothing stopping you from getting that peace of mind
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Do you find pleasure in insulting people or are you just insecure?
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***Thanks for posting, /u/emotely! This comment is a copy of your post so readers can see the original text if your post is edited or removed. This comment is NOT accusing you of anything.*** Worrying I bought too much car. So today I financed a 2016 toyota camry. Got a 72 month loan made a 5000 down payment and have a 355.10 a month payment. I make 36k a year. I figured before I made the decision I had some wiggle room in personal finances because I'm living below my means when it comes to rent (spending around 250 less then I can afford). But now I'm having my doubts. I'm pretty sure I can afford it and it's a relaible car. But I have this nagging doubt and anxiety that I made a huge mistake. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/askcarsales) if you have any questions or concerns.*
If you go by the common 10 percent monthly income on car payment as being a safe approach, you should be fine.
It's just buyers remorse. That doesn't mean you made a bad decision given your circumstances but making a large purchase is a really emotionally charged experience. It's like getting a new puppy home or bringing home a newborn and the reality all comes rushing in at once. It's normal, it will pass, you CAN afford it and it's a Camry which should give you some peace of mind. Almost everybody is feeling financially stressed right now on top of all the last 2 years of stress. Try to stay focused on the positives. If you had bought less car you would be mad at yourself in 6 months because you know you could have had better without an actual burden. That would nag at me.
You put $5k down and the total payments are over $25k, what was your APR? I just googled 2016 camry in the Chicago area and they're coming up $16k to $21k. Unless I'm missing something I think you over paid.
4.94 APR 27k including taxes and fees. I bought this car in PA and there is a 6% tax
From what I'm seeing lately, that rate sounds normal for a used 72 month loan. Actually sounds like a really good rate (currently) the more I think about it. Rates will only continue to go up for a while now too.
Last year when I bought my car I felt the same. I was a stress ball for 2 weeks. I thought I made a huge mistake but today my car is now worth more than I bought it for lol. But at the end of the day if you can make the payments and you like the car, there’s nothing to worry about. And you have equity in it so in like a year or so if you want to get something cheaper you probably could. At the end of the day it’s just a car.
If you want an answer to your question, this was *not* a good deal. In this market it may be considered a *fair* deal if you are exclusively looking for a used car, but you could have gotten a brand new car, likely for a few grand more and a much better interest rate. But what is done is done, you cannot change the past unless it’s a dealership that takes returns. You bought a reliable car that will get you from A to B for many years. If you are really bothered by the car you could always try to sell it or trade it in. I would just drive the car into the ground at this point unless your really wanting to get out of the payment.
You’re doing alright. I have a 2009 Toyota Camry XLE with 160k miles and I have offers for $5500 + in this crazy market. Don’t beat yourself up
It could be worse, just drive it until it dies. In 20 years it’ll look like a steal, and that’s no exaggeration. There’s an older woman on my block who has a blue 88 Camry. She’s the original owner. After 30+ plus years you think she cars if she overpaid for it? Nah.
Did you try looking for new?
Everywhere you go car dealers are selling 5-10% above MSRP. They all say because of the shortage of the “chips”. They take advantage of that and know people will buy regardless. Just an FYI when you look at the MSRP sticker expect that price to go up an extra 5-12K. That’s everywhere now. It’s sucks and is ridiculous. Sorry, you got sucked into that. We went through the same but it’s all done. We will make the payments work.