So 5 year payments on a Focus RS go about $700 a month or so

>>16342102
Someone who isn't poor.

>>16342102
>who the fuck would buy one of these?

A young Asian IT guy. Same people who buy Evo's and STI's.

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>I want a high-performance car that is very practical so I can drive it daily
>Evo is too slow and dated
>STI is too slow and cheap
>Golf R is too slow and boring

>>16342102
>who the fuck would buy one of these?

Someone who can afford a $700 a month car payment and wants to drive a Focus RS

>>16342136

>and i have no ability to build my own sti/evo/spec b

>>16342148
>buy STI for 35k
>spend 10k on mods to make it as fast as a Focus RS

or

>buy Focus RS for 45k
>don't mod it
>can keep up with most riced up Evos and WRX's
>keep warranty

>>16342102
Someone who comes forth with a sizable down payment, so as not to be locked into $700/mo like a retard.

>>16342165
Cant keep up with shit when the rear diff over heats and the tranny explodes

>>16342136
>Evo too slow
lmao what

>>16342102
someone who can put down at least 10k?

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>>16342176
Heaviest and least powerful of the bunch, with the oldest chassis and worst interior. Responds to mods well at least.

Evo 8/9's are faster, but good luck finding an unmolested one in good condition

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I parked beside one of these things today without knowing what it was. Looked it up later.

>2.0L making 381HP

Geez, I thought the RS was high strung. Are these good?

>>16342208
The only real downsides are it's transmission and the fact that it looks like garbage.

>>16342186

God my friend bought a base model 2013 Lancer when they were new and the road noise is fucking horrendous. I felt like I was yelling from the back seat just to have him say "WHAT?"

>>16342102
anyone who can only lock in at 5% interest and isn't putting up a down payment isn't going to be buying a Focus RS you dolt

>>16342173
>rear diff overheats
nice meme
the only overheating issue was when they completely and utterly ragged the fuck out of the vehicle in a track environment, something it will never see in a daily or even track duty car without the driver purposefully aiming for that goal
and even then ford fixed it.

>tranny explodes
yeah that doesn't happen though.

>>16342165
>45k
where are you that it costs this much
I can walk into a dealer and nab a packaged one for under 40k

>>16342208

anything that is modern and turbocharged from mercedes is a gud engine

>>16342245
>defending a $50k focus
Wew
Its a fucked over rebuilt mazda.
No one wants mazdas scraps from over a decade ago after its been in the hands of ford """""""""engineers"""""""""

>>16342245
>the only overheating issue was when they completely and utterly ragged the fuck out of the vehicle in a track environment, something it will never see in a daily or even track duty car without the driver purposefully aiming for that goal
>and even then ford fixed it.

So exactly the same as a Corvette?

>>16342265
>hand built in german factory
>rebuilt mazda scrap parts

yeah you might want to retry your angle here kiddo you aint trolling shit

>>16342102
I thought everyone in america and here on /o makes SIX FIGURES

>>16342273
Its a volvo chassis and mzr engine you dolt.
Its just re-engineered old mazda stuff in a old as fuck volvo chassis.
Ford is cheap as fuck. Do you think they they would actually design anything themselves?
Thats fords whole gimmick.
>pay other people to design stuff
>build it a cheap as possible
>slap a ford badge on it
Ford recipe for shit cars

>Literally the best hot hatch money can buy on the market right now until the Civic Type R drops
>Shilling for the pigfat STI and irrelevant EVO

wow you guys are faggots

>>16342289
>best hot hatch for the money
>$50,000
>for decades old mazda stuff
May as well buy a speed3 for 10k.
Or 5 of them...

>>16342289
>Subaru STI
>3400lbs
>305hp from a 2.5L

>Focus RS
>same weight despite being hatch
>350hp from 2.3L

Why did Subaru give up?

>>16342298
>implying Subaru isnt using decade old engine formats

Oy Vei

>>16342305
Who said it wasnt?
Buy an old sti for 15k.
At least the AWD works correctly

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Thats literally what im paying for mine

got it yesterday

>>16342285
C1 chassis is designed and engineered by ford, used by volvo, not the other way around.

As far as it being a mazda engine you're completely wrong. It has design similarities so the mazda series L engine, but the displacement is all it really shares.
It's cast and machined completely differently by cosworth and none of the internal parts could ever be swapped over.
Not the same engine.

>>16342298
>$50,000
>MSRP is $36,6xx
stop parroting random numbers and actually educate yourself

>>16342333
>$50,000 CAD

>>16342337
>CAD
>implying anything but USD is relevant here

>>16342329
Volvo designed the chassis in collaboration with mazda for rigidity and weight savings idiot. Everyone knows that.
The engine is derived from MAZDA tech based on the mzr.
You can twist words up all you want. Its a $50k 10 year old mazda that was built as cheaply as possible for maximum profit from anyone stupid enough to buy it.

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>>16342333
No U

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>>16342344

>>16342102
5% apr lol
someone who can't manage their money

>>16342102
A broken down evo 10 would still wipe the floor with this

This car is for amerifuck fanboys in denial

>>16342102
>who the fuck would buy one of these?
people that can't afford real sportscars but can't accept that fact.

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>>16342102
>5% interest on a new car loan

Someone has shit credit

>>16343755
I got 3.99% and I was unemployed when I applied for the loan. Lol

>>16342265
you know it's been the better part of a Decade since Ford and Mazda worked together, right?

>>16342268
>and even then ford fixed it.
nope

>>16344580
You know ford STILL uses decade old mazda stuff right?

>>16344586
It just werks

>>16344586
sure, the n/a DOHC 3.5L is Mazda-based but nothing in the RS is, there are absolutely no credible sources that state the 2.3L shares anything other than the displacement with the MZR

>>16342165
>buy evo for 15k
>30k to build literal beast
Meh

>>16342393

This is the only relevant post in literally this entire thread. Also likely the only one made by someone over the age of 20.

RIP /o/

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>>16344621
>evo for 15k

are you dumb?

>>16342393
>5% APR
>Getting a 75 month loan on a fucking car

>>16342344
You literally could not be more backwards incorrect, but joint anyone tells you will change that and you'll keep spouting nonsense.

That's alright though, the people who know better will likely just point it out to you, then ignore you once you start rambling again.

You can lead a horse to water, but you can't make him drink.

>>16344640
He made it as expensive as possible for a reason.

>>16344669
How much did you get paid for typing that lie?

>>16342102
Someone that can find one for sale. I'd have to go two states away just find a new one and my local ford dealer told me they can't even order them. If you find one new you're going to be paying at least 10k over msrp from what I've heard because supply is so limited. I gave up trying to find one and just bought a new wrx.

>>16344628
17k isnt far off from his 15k guess

Retard.

>>16342323
Man, that is sweet senpai. Exactly the color I want. Have fun m8.

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>>16342102
Why would anybody pay $700 dollars a month for a car?

Oh right because we are a free society that lets multinational corporations sell their shit at dramatically higher markups than it costs them to actually produce them. But what are we going to do, turn to communism?

I don't think so.

>>16344718
lancer EVOlution is the evo, not the base model.

base model is 148 hp, evolution base model is 291 hp.

>>16344718
35k is significantly bigger than 15k buddy.

>>16342323
paying all that money for one and you have a poverty camera.

disgusting.

>>16342102
>5 year payments

Dude just buy the car

>not having a down payment
your choice if you want to fuck yourself

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>>16344750
Communism is worse because instead of some people working hard to afford a luxury like the RS no one will be able to afford anything and we'll all die of starvation

>700 bucks a month
I know that figure is with no money down and a somewhat high interest rate but it sounds absolutely terrible for what your getting. For example I pay 650 a month for a 2015 gtr black edition on a 4 year term.

>>16344894
with a 100k down payment, sure

My 15 stang payments are $470/month for 5 years

Focus RS is an awful choice, especially for that

>>16344894

Lease?

>>16344696
The Mazda 3 and Volvo S40/C30 were based on the 2nd gen Focus platform. Ya dummy.

>>16344894
You would need to put at least $70k down for that kind of payment on a gtr

>>16342102
>a month
>buy
Someone not dumb enough to finance would buy it, some dumb enough to finance is just renting until the last payment.

>>16342323
Frosty? new car but same shitty camera?

>>16344912
Nope I put 10k down and payed the taxes separately. I just got creative with the financing and use a company that offered a balloon payment system. My monthly payments stay the same till the last payment then the last payment I pay off the remaining balance. In my case I bought the car used for 77k, financed 67 and payoff at the end of the 4 years is 40k. I already had a pretty good down payment of 40k saved up so I was able to take that remaining 30k and invest it in a low growth but stable IRA. So far my investment has already reached the 40k payoff in just 1 year.

If I decide I don't want the car i can trade it in or sell it with no penalties just like any normal financed car. The only trick with doing finance this way is you have to understand the depression curve of the car very well so you don't get underwater and you have enough extra money's to add to the investment account to make the final payment. Currently I only owe about 61k on a car that's still worth about 74k so I'm well into the black with debt to worth ratio.

>50k for a FWD Focus
Kill you are self

5% interest rate.

You shouldn't be buying a car with that trash credit.

>>16346443
>credit score 804, ranked with "A" class credit in my bank
>Subaru offering BRZ at 5%
>ask if I could go lower
>said they can't go lower

The interest rate automakers put on their website is usually the lowest they offer, regardless of your credit.

>>16344934
Why would you lie about this when its so easy to look up?

>>16346507
>810
>1.9% through Credit Union

>>16346443
5% is low for a car you teenager.

>>16342323
/hou/ br/o/?

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>>16346543
3.9%APR OAC finance with Fordfinance for 36 months apr

>5% APR
>On a car

kek.

>>16346443
>>16346562
Fuck you dickface you too cheap to pay Ford? What a poorfag holy fuck get a job

>>16346551

No, it's definitely not. You can get 0.9% if you have great credit, which you should if you're buying a $40k toy, and plenty of dealerships will do 0% financing deals if you're not a rere NEET.

>>16346562
Its almost as if all you idiots dont understand how DEALER financing works

>>16342102
you put no money down?

>>16346568
What kind of offers does Ford have right now? I'm looking at a 0.4% APR OAC with special finance leasing options available, can you help me?

>>16346572
It sounds like you guys have shit credit and can't get a rate below 3%

>>16346578
Yeah dude, 0 down 84 month finance with 12% special APR offers now until December 31st. Check your local Ford store for details. Hurry in these cars won't last long.

>>16346588
>84 months
>12 %
christ

I'll take the Civic Type-R instead, at least it'll be worth more than the Focus RS 10 years from now.

>>16346588
I mean 1.2% on the special offer. >>16346596
Hurry in!

>>16346551
No its fucking not, thats an awful rate

>>16346596
APR meaning APRIL MAY AND JUNE lel

>>16346588
why would you put no money down? the payment is huge and the percentage on top of that makes it even worse

at least put down 10%

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>>16342141
This kind of well thought out reasoning does not belong on /o/.

The correct answer is a McDonalds fry cook that doesn't have a bankruptcy, and has a co-signer, and will pay $500/mo for 240 months.

>>16346602
WHY ARE YOU NOT HURRYING IN TO YOUR FORD STORE YOU FAGGOT ASS BITCH

>ITT a bunch of busriders with debt out the ass from college, poor credit from poor money handling with their credit cards and think anything above 3% is a good rate

>>16346615
because I got 2.1% at literally any other dealership for their sporty hatchback

>>16346618
>their sporty hatchback
WHOS SPORTY HATCHBACK YOU DICKSPITTLE ANSWER THE QUESTION APR FINANCINGGGGGGGGGGGGGGGGGGGGGG

>>16342102
People that have good credit and aren't poor?
$600 a month is nothing for someone who makes 5k+ a month.

>Wtf ford why can't I afford a ""sports"" car working at macdonalds government pls help raise minum wage to 50k a year

>>16346627
>7%
>good credit

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>>16346551

how does paying 125% of the cost of a depreciating asset feel anon? does it feel good?

>>16346627
I hope you got gap insurance because that car will depreciate so fucking quick you'll be owing nearly twice its worth

>>16346631
Where are you getting 7%? You don't know my down payment.

>>16346644
woops the OP said 5%

either way 5% is absolutely ass

>downpayment
at 700 a month, theres virtually no down payment

>>16346641
>asset
>car
It's a consumable.

>>16346644
APR OAC man, see in store for details son
Hurry on down
Local Ford STORE

>>16346551
You are kidding me right?

If you pay over 2.5% and don't pay weekly or biweekly you are literally throwing your money away.

>>16346652
>paying 700 a month for 72 months is "consumable"
fucking hardly

The car isn't an investment but still blowing that kind of money you'd be retarded to not have gap insurance

>>16346652
As a Ford driver I can see how this statement is true. There's a reason Ford started calling their dealerships 'stores'. You buy disposable shit at stores, things that are so consumable they require a STORE OF THEM. Most cars arent' disposable pieces of shit, and are thusly sold at dealerships.

>>16346652
a consumable you gotta finance.

What I don't understand is why would anyone finance an RS at all (above 0% interest, I mean)? I mean, either it's a toy and you should buy it flat out because you have $$$, or if it's a daily you could get way nicer cars for similar money (the Audi S3 comes to mind).

>>16346663
What the fuck is your point? That you're poor?
If you make over $60k a year this car is nothing for you.

Just because $600/mo sounds like a lot to you doesn't mean it actually is.
There actually are people out there with real jobs.

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>>16346669
>a consumable you gotta finance.

>>16346671
>I make a lot so I should blow a fuck ton of money at a shitty percentage because I can't manage simple finances

You are a bus rider that thinks his credit card means he has money

>>16346663

You probably spend that much on TacoBell and video games a month. lrn2budget.

>>16346671
>$60k a year this car is nothing for you
Maybe if you live in fucking Nebraska. $60k/yr is nothing where I live.

>>16346671
if you make $60k a year and you have health insurance and a 401k, your takehome is probably about $3200 a month after fed/state/FICA. You're telling me you wanna spend nearly 20% of your income on a car payment? i wouldn't call that nothing.

>>16346669
Because they can't buy it outright.. you're paying for the "privileged" of credit.
Instead of saving 60k over multiple years you can instead, get credit, and invest in a different asset that will easily produce more yield (like a home) in 5 years than what you're losing on a 2% car loan.

>>16346683
You're retarded to think 700 a month at 5% is good rate

>>16346685
Your 401k cap must be very high.
And I was talking about net.

>>16346686
Yes, I understand what financing is, but what I'm saying is that a focus RS is a dumb purchase for a daily when there are far nicer cars that are just as fast or faster for the money. Audi S3, STI, Mustang GT, Some sort of bimmer, A huge assortment of used vehicles that are far faster (C6, M3, Carrera, CTS-V, I can keep going)

>>16346690

It's reasonable for a car like that. It's pretty likely to be written off so they have to cover their asses.

>>16346697
>>16346685
And yes, if your hobby is driving. 20% of your income isn't a lot to spend on it. I've spent 100% of my disposable income on racing for multiple years.

I mean this isn't unheard of. You see people in 40k BMWs all the time and they don't all pull in 60k yearly net.

You can't take it with you when you die.

>>16346697

You probably shouldn't be buying a $40k "sports" car if your 401k isn't maxed. And while my compensation isn't insane, my benefits are great (6% match, education subsidies, 5 weeks off a year, in house healthcare, health benefits to match premiums)

>>16346715
>You see people in 40k BMWs all the time and they don't all pull in 60k yearly net.

Because they lease them.

>>16346715
if your hobby is racing, you'd be much better served with a 3 year old bmw + an NA miata for trackday (trackday, bro) for the same money.

I absolutely hate having big monthly payments, so I never finance unless I can get it under $200/mo. I put 50% down on my current car haha

>>16346707
Okay, but not everyone benchraces.
I could spend 20k on a civic and it would be faster than an RS too.

>>16346715
>>16346727
He does make a point

>>16346740
Track days and racing aren't even remotely similar.
I have no issue with spending almost all disposable income on a hobby after a sufficient safety savings.

>>16346710
Thats not reasonable at all, there's no down payment and that percentage is worse than a personal loan

>>16346710
>written off

Good luck trying to write off a sports car as a business expense

>>16346796

By written off I mean crashing it into a wall on a track day to the point where it can't be repaired.

You can write any kind of car you want off on taxes. Go to any wealthy person that owns a nice sports car and I guarantee they write a bit of it off on taxes. Wealthy people are cheap as fuck, they'll try to save money whenever possible.

>>16346816
You're an idiot. They wrote off the tax paid on their income towards the car. Writing off something isn't some magic cost negation tool

You can only write off a car for applicable tax credits like a business expense or an economical tax or some shit like energy star let's you with windows and other shit

You're not gonna be able to write off the sales tax or any of that

>>16346796
>AWD sedan
>Sports car
Good one

>>16346707
But I like the RS.

>>16346830
I literally bought a Focus ST 4 weeks ago, registered it to my dad's company and wrote off the sales tax. Granted it was a wagon so that might have something to do with it.

>>16346727
>thats what poorfags believe

>>16346848
What did he mean by this

>>16342141
Someone who can afford one of these won't be taking out a 5 year loan.

>>16348948
Most new BMWs are leased.

>>16348970
Yeah by companies

>>16348977
Companies are people too.

>>16348989
Companies don't fit in 40k bmws.

I dont know but fact is that these thing are bought like crazy
The part of the factory where Ford ST and RS are finished is doing overtime like crazy and they still cant catch up because they are bought in such big numbers
the parking lot wher they are waiting to be finished is overfilled and many are even standing on grassland and covered in mud

t. living 5 minutes away from the factory they get produced

>>16342102
>5% interest

Only niggers and mexicans pay 5% interest on a car loan

>>16349030
I'm paying 9.99% interest.

>>16348967
Your right they will be taking out a longer loan. You forget this is America and we are terrible about saving money. Hell most people only have a few hundred bucks in thier account at the end of the month, and before you say that's only poor people I can tell you it's not. I work in IT and I know more than a few people that make 120k+ a year, but still somehow manage to save none of it and the real kicker is I can't tell what they are spending it on. They have some beat up 10 year old car, live in an ok house or apartment but if an unexpected expenses comes up they are sweating bullets trying to figure out how they are going to pay for it.

>>16349348
Student loans that can't be refinanced or forgiven by filing bankruptcy due to political lobbying by the banking institutions that prey on young Americans looking to further their educational horizons.

>>16346669
RS has drift mode breh

>>16342165
I assume he meant a 2.5RSTI conversion but we both know that takes a fuck load of time.

>>16344750
Are you stupid? Don't you know how financing works? The bank finance your good, but the dealer/seller gets paid in full. It has 0 (zero) correlation with the final price of a car.

>>16349899
banks are multinational corporations

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tfw i bought my car with a zero interest loan from my rich uncle

>>16342172
This, also buy one with something like 20,000km on the odo or a demo model, all of a sudden the car is $35000 up front and your down payment of at least $10000 bumps it to $25000. Repayments are suddenly a lot less. Be smart with your money and you can give nice things and not go broke.

>>16349611
Definitely no that either these guys have no college what so ever. I think they just piss thier money away partying every other day.

>>16349232
Why the fuck would you do that???

>>16349973
So?

>>16349348

That's because you don't get how they think.

I'll bet you that they're probably min-maxing their money - they put literally as much as they possibly can into investments, funds, and savings in order to maximize the amount of return they're getting on their earnings.

You are right in that they are probably not saving enough... but in a totally different way than someone who literally has nothing left. These are the type of guys who are used to having no expenses and they also would rather hold a credit card balance to pay interest so they start stressing when they realize that they haven't set aside enough liquid currency to deal with those unexpected expenses.