No one said i cant afford repairs. I didnt want to pay a mortgage for a truck. So i bought a higher mileage. Well maintained truck for the payment i wanted. And id much rather have the room and ability of the full size.

 

Well OP, you asked for opinions lmao. Financially looking at the whole routine of buying a vehicle, it would never be a good idea to finance a vehicle (pay interest). If it's 0%, 1%, ridiculously low. I'd rather have the cash making me a higher rate, or just in case, then to write a check for the full amount

If you can get a '14 for $30k-, and they give you an actual trade price of $25k. And your ten day payoff is $20k-$22k, and you get the same payment with a very low rate/term. Same payment or extremely close to it... Then got a cheap commuter and are able to meet obligations and have a good several months of salary for an emergency then I don't see how it could be a bad idea.

 

Hey it is what it is. We can't all walk off the lot having paid cash. Everyone's situation is different...

 

My current truck hasn't given me any problems yet, but as the miles keep creaping up I am getting somewhat worried. If I wait until it is paid off in 3 years at my current yearly average it will have 120,000 miles approximately and will be worth probably next to nothing being 6 years old and that high mileage, plus I'm still not convinced I like the new body style. Yes I realize that with a new one I'll probably be facing the same dilema in 3-4 years. I have a somewhat long daily drive about 30 miles one way, but it's better than the 48 miles one way I used to drive. I guess I can keep driving it and keep hoping nothing goes wrong, I just don't want to get caught and with 2 little boys (3 and 1) I need a dependable vehicle and since this is our only daily vehicle it gets used for everthing.

 

Also consider why you have a truck? To drive you, haul or whatever else. As long as its reliable why want more when you can keep driving it and at some point be payment free. Unless you actually want a change and a new truck. This is my opinion but ultimately you know best since its your truck and finances.

 

If I were you, I would keep it. Being a first year EB with 60,000 trouble free miles is great.

 

Still looking into what to do.
It has as of this morning 62,500 miles. It very recently has started doing the surging thing and the check engine light will blink for a few seconds afterward, I'm thinking that is either the moisture thing or sparkplugs or a combo of both. I know for a fact I put 2,000 miles on in the month of October. I got quoted 565 a month for 72 months @ 6.5% (from Fairway Ford, but they are at only 21,000 for my trade) over the phone no credit check, I've been quoted from other dealers 24,000 for my trade and 2.74% for 72 months so that would lower the payment some, but still that is $20 less a month than what my current payments are.