[WhiteShadow]

so my question is pretty simple, american muscle has an offer of purchases over 250 dollars through bill me later that gives you zero payments and zero interest if paid in full in six months.

im wanting to buy the 1200 dollar saleen wheel package for my mustang, and i know i can pay it off in 3-4 months for sure.

now the question is, should i just save up and wait? or would buying them now be a better decision, obviously waiting would be the simplest, but if i wanted them now, would it be a financially smart decision?

i know ill have them paid off well before 6 months. but those of you with more credit experience may be able to help me out.

thanks for any help in advance.

[graystang01]

If you can pay it off, I don't see any reason not to do it.

[mustanginky]

if it were me, i'd just save up and buy them. just my .02c. is it like layaway or is it a "credit" thing?

[graystang01]

Originally Posted by mustanginky if it were me, i'd just save up and buy them. just my .02c. is it like layaway or is it a "credit" thing?

It's kinda like layaway except you get the stuff right away.

Edit: Now that I think about it, it seems more like a credit thing lol

[slikirish]

It's a credit thing. They pull your credit and then give you a maximum amount you can use. I would need more details to have an informed opinion on if you should or not. Such as, age, current debt, current income, ect ect

[WhiteShadow]

yeah its like a credit card, but just for online purchases. well, more of a credit line, because with purchases you make, they will increase your limit when you make those purchases if they agree to allow it.

i currently am living at home for the next 8 months and make around 600-700 a month. my only current debt is a student loan that i wont start paying till 2014.

i guess if you need my age im 20. and i do already have a credit card, but billmelater has a deal with american muscle for 0 interest 0 payments like i said for 6 months on that purchase of 250 or more.

i know i can pay it off. im thinking ill at least save up half of the price first, so i dont have a huge debt over my head.

[Serlin]

If you want them now, the just do it.
there is no down side. 6 months, same as cash.

[WhiteShadow]

Originally Posted by Serlin If you want them now, the just do it. there is no down side. 6 months, same as cash.

this is what temps me! gahh. decisions decisions.

i guess its the same as cash, but in the end im not saving anything by getting them now either. hmmm.

[slikirish]

I've never believed in financing car parts unless you HAVE to b/c the car won't work without it. I just think it's asking for trouble. I would just wait and pay cash for them. Of course that's IMHO. Do what makes you happy OP.

I would be surprised if they would give you the required credit amount to purchase $1200.00 wheels. I'm betting they'd limit to you $250 to $500 at the most.

[WhiteShadow]

Originally Posted by slikirish I've never believed in financing car parts unless you HAVE to b/c the car won't work without it. I just think it's asking for trouble. I would just wait and pay cash for them. Of course that's IMHO. Do what makes you happy OP. I would be surprised if they would give you the required credit amount to purchase $1200.00 wheels. I'm betting they'd limit to you $250 to $500 at the most.

well my highest amount right now through them is 500. but i like what you said. and your right. credit should only be used if something to make the car work is broken. smart man! thanks man

[slikirish]

I can just see bad things happening, such as ordering them on credit and wrecking the car two weeks later. I would be very tempted to slack off on those payments if that happened. I really think just waiting and paying cash is the smart thing to do.

[Kohrs93]

Buy now... total car two weeks from now... still paying off wheels in 3 months.

Start saving


EDIT: Screw you slikirish

[slikirish]

Fuck you Kohrs

[Kohrs93]

Originally Posted by slikirish Fuck you Kohrs

Fine!















let me get the lube first....

[slikirish]

FINE








I like strawberry flavored