masda74 To Loud Gold Donating Members 4,112 Member For: 13y 21d Gender: Male Location: WA, Perth Posted 17/03/16 11:38 PM Share Posted 17/03/16 11:38 PM I think you might want to bring the car to the maint day on Sunday then. Maybe we can help fix it for your. I am sure that if you get it on a train this morning, it should make it here by Sunday. What ya reckon? Link to comment Share on other sites More sharing options...
k31th less WHY; more WOT Site Developer 29,047 Member For: 16y 8m 12d Gender: Male Location: Melbourne Posted 18/03/16 12:15 AM Share Posted 18/03/16 12:15 AM haha, sounds feasible... lol Link to comment Share on other sites More sharing options...
barnz Member 3,047 Member For: 11y 1m 1d Gender: Male Location: Brisbane Posted 18/03/16 12:22 AM Share Posted 18/03/16 12:22 AM wise choice I think keif, fark interest. What were the early exit fees like? better than paying the interest obviously... Link to comment Share on other sites More sharing options...
k31th less WHY; more WOT Site Developer 29,047 Member For: 16y 8m 12d Gender: Male Location: Melbourne Posted 18/03/16 12:26 AM Share Posted 18/03/16 12:26 AM no exit fees, as far as I know. 1 Link to comment Share on other sites More sharing options...
barnz Member 3,047 Member For: 11y 1m 1d Gender: Male Location: Brisbane Posted 18/03/16 01:21 AM Share Posted 18/03/16 01:21 AM true my ST is 15bucks for every month left and that's with st george. Some early exit fees are crazy and alot of people dont even realise they exist. Link to comment Share on other sites More sharing options...
Ralph Wiggum Moar Powar Babeh Lifetime Members 19,323 Member For: 19y 2m 28d Gender: Male Location: Perth Posted 18/03/16 01:22 AM Author Share Posted 18/03/16 01:22 AM leave $1 in there and pay out on close out date. interest on $1 is generally less than exit fee's. 3 Link to comment Share on other sites More sharing options...
barnz Member 3,047 Member For: 11y 1m 1d Gender: Male Location: Brisbane Posted 18/03/16 01:23 AM Share Posted 18/03/16 01:23 AM spoton, guy at st george said leave 5 bucka in there lol, probably wanted just that little bit more interest the scum Link to comment Share on other sites More sharing options...
Ralph Wiggum Moar Powar Babeh Lifetime Members 19,323 Member For: 19y 2m 28d Gender: Male Location: Perth Posted 18/03/16 01:25 AM Author Share Posted 18/03/16 01:25 AM We did exactly that with wifey's old mazda a couple of years back. left literally $1 in there. Saved several hundred in interest/exit fees and also help your credit rating better than paying out early. 1 Link to comment Share on other sites More sharing options...
barnz Member 3,047 Member For: 11y 1m 1d Gender: Male Location: Brisbane Posted 18/03/16 01:28 AM Share Posted 18/03/16 01:28 AM sure there are no fees keif lol...hes gone quiet. Bet he's researching the sh*t out of it right now 1 Link to comment Share on other sites More sharing options...
k31th less WHY; more WOT Site Developer 29,047 Member For: 16y 8m 12d Gender: Male Location: Melbourne Posted 18/03/16 01:29 AM Share Posted 18/03/16 01:29 AM (edited) I looked into it, it's $175 for an early total repayment within the first 24 months of the loan (I'm outside that), or equivalent to a maximum of $175 based on what the bank calculates they've lost in "profits" by you paying out early. That low money trick is actually a really good idea... if I wasn't too late to apply that strategy I've already zero'd the balance haha Edit: $175 is a reasonable cost to learn that my strategy was not 100% the best... and also save me the hassle of having to remember to pay the $1 in two and a half years or so... and saving me the OCD impulses of having "$1" sitting on that account for the next 2 and a half years Would that really affect my credit rating in a worse way by paying out a loan early? If so, our credit rating system has some serious flaws... The system shouldn't be based on WHEN you pay the kharnts back, it should be based on IF you pay them back at all, the earlier the better. The system should be based on "will this person pay us back" rather than "will this person give us the most profit based on interest and fees". Edited 18/03/16 01:38 AM by k31th Link to comment Share on other sites More sharing options...
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