4.6Intruder

So, I've been wanting to supercharge my truck for awhile now and no matter how hard I try, I can't get it out of my head. I am debating between the Roush or the Whipple. There is about a 500-1000 difference being the Roush on the lower cost end. What I really want to know and it's a pretty dumb question, but I am still going to ask it. How did you go about purchasing one of these kits? Being they are around 6k-8k after figuring in a custom tune on the dyno, did you just put it all on plastic or did you get a personal loan from a bank? I'm sure some of you just saved up the cash and purchased it when you had the funds and obviously is the best option and most responsible way, but it just isn't possible. It's not a matter of me not being able to afford a monthly payment, I just can't pay for it all up front or save that amount as something else always comes up. I appreciate any feedback and I'm sure I am going to get some negative feedback, but just curious.

Z7What

My suggestion is if you can't afford to pay cash for it don't do it.

You mentioned saving for it won't work cause something always comes up but then you state you could afford monthly notes plus interest for it?

What difference is it from putting $200 a month towards a loan or putting $200 in a coffee can?

Wayne

Boostking

Exactly what Wayne said. Also what happens when you do finance a big part of this supercharger kit and you are making that extra payment and something on the truck breaks? Now something else came up on top of the payment you have. Most people who do things like this are going to have the cash to play with, or they are irresponsible and finance everything they can.

The most responsible thing to do would be to save the money and pay for it in cash. I learned some hard lessons about credit in my early 20's, thankfully I was able to learn from them.

tuxedoblk_5.oh

Probably the greatest comment I've seen on here as far as someone wanting to spend money. At least putting 200 in a can you wont be paying interest on it when it's paid for lol.

4.6Intruder

I completely agree with what you guy's have said and figured that is what was going to be the response I would receive. Was just curious to see what others have done. I guess for me it is just the lack of patience and for some reason it sounds better making a monthly payment of $100 vs paying 7k plus up front even though I know I'll be paying more with interest. Regardless, I can't do anything as of right now anyways no matter what method I was going to do as I'm looking at houses so it would have to wait till after the fact. I'll just continue on saving and thanks for not being a-holes with your reply's as I figured that is what I was going to get.

tuxedoblk_5.oh

Personally I'd wait if I was you. Trust me I am in the same boat lol. I am wanting to supercharge mine but I am a broke *** sheriff deputy. I already have a home though.

soaringfalcon

iTrader: (1)

Personally I will never finance a WANT, just a NEED and only when I need it and can't afford it outright, like a house or a car, and even then I will put down as much as I can afford.

Financing a WANT will always be a decision you will regret later in life especially when something goes bump in the night and now you don't have the funds or credit line left to cover it! Yes, I learned that lesson the hard way.

Just my $0.02.

smcnich

No banker will make you a loan for that

winchested

Many people have Lines of credit just waiting for toys!

Z7What

Sure they will, a unsecured loan is all he would need.

When I was young and dumb I got a 5yr loan for 5K to buy about 12K worth of truck parts. Didn't even have to tell the bank what the money was for. I paid it off within a year and now that I think about it it was pretty dumb. I guess it's true you get wiser with age. You live and you learn.

Wayne