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Question concerning financing a auto…?
19th August 2009
So…in 2006 I financed a brand new Ford explorer. Currently it has a 0% APR and I’m 35 months into a 60 month contract. I owe ,611 and have 25 months left. Payments are 4.46 per month.
The problem is that it has 66,000 miles and the cylinder heads are bad. It’s going to cost me 00 to replace the cylinder heads which include 12,000 mile or 12 month warranty. OR I can buy a new engine for 00 which includes a 36,000 mile or 36 month warranty.
Would trading this in and buying another car be a good option? Would walking away from the vehicle and voluntarily having it repossessed be a good option?
What would be my best option if I have a credit score of 640 and income of 86K/yr?
Ideas? Suggestions?
Sigh… It figures that the voices of reason are available…lol