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08 IS-250 Please help?

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Old 08-14-11, 08:36 PM
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ISiMichael
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Default 08 IS-250 Please help?

I test drove the exact vehicle I've been looking for. I was wondering if you guys could help me out? You guys are way more experienced with this then I am.
2008 is 250 v6 auto 6speed
Smokey Granite Mica
Black Leather
Navigation + Loaded
Rear Spoiler
36k mileage
25,999$ is the internet price.
They said they can work with me a little on the price. What do you think I can get it down to?
I honestly want to finance 60 months with 0 down and my Dad is going to cosign since I have no credit. He has "really good" credit. Will you guys let me know what I can get the price down to? About what %APR? Monthly payments? Also, if anyone knows or can guess what my insurance full coverage will cost? I am 18 years old, male, live in California. Good driving record. I pay 90 a month on a 1999 Toyota Camry Liability Only.

THANK YOU SO MUCH!

-ISiMichael
Old 08-14-11, 09:23 PM
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Sango
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Does it have AFS?

Here is the service history

Originally Posted by Lexus
Service History for VIN: JTHBK262882079780
Sort By:

Service Type Date Service Provider Mileage Repair # Description
Dealer Reported 06/30/2011 Keyes Lexus 36086 0012985 MIL 'ON' P030# - PERFORM TOP ENGINE CLEAN
Dealer Reported 06/30/2011 Keyes Lexus 36086 0012985 ADJUSTED TIRE PSI TO:FRT LT:36 FRT RT:36 REAR LT:38 REAR RT:38
Dealer Reported 06/25/2011 Keyes Lexus 36077 0012461 PERFORMED KEYES LEXUS RECOMMENDED 30,000 MILES OR 24-MONTH SERVICE
Dealer Reported 06/25/2011 Keyes Lexus 36077 0012461 COMPLETED
Dealer Reported 06/25/2011 Keyes Lexus 36077 0012461 COMPLETED SAFETY INSPECTION, 30K SERVICE, 2 REAR TIRES, CERTIFICATION, ALIGNMENT
Dealer Reported 06/25/2011 Keyes Lexus 36077 0012461 PRE-OWNED CERTIFICATION
Dealer Reported 06/25/2011 Keyes Lexus 36077 0012461 INSPECT AND ADJUST CASTER, CAMBER AND TOE AS REQUIRED
Dealer Reported 06/25/2011 Keyes Lexus 36077 0012461 ADJUSTED TIRE PSI TO:FRT LT:35 FRT RT:35 REAR LT:38 REAR RT:38
Dealer Reported 05/19/2011 Keyes Lexus 34427 0099404 RECOMMENDATIONS: AIR FILTER A-C FILTER
Dealer Reported 05/19/2011 Keyes Lexus 34427 0099404 ADJUSTED TIRE PSI TO:FRT LT:36 FRT RT:36 REAR LT:36 REAR RT:36
Dealer Reported 05/19/2011 Keyes Lexus 34427 0099404 INSPECT FOR FUEL SEEPAGE PAST FUEL PRESSURE SENSOR.
Dealer Reported 05/19/2011 Keyes Lexus 34427 0099404 GRANTED:
Dealer Reported 05/19/2011 Keyes Lexus 34427 0099404 COMPLETED
Dealer Reported 05/19/2011 Keyes Lexus 34427 0099404 WATER PUMP ASSY &/OR GSKT
Dealer Reported 05/18/2011 Keyes Lexus 34427 0099404 RECOMMENDATIONS: AIR FILTER A-C FILTER
Dealer Reported 05/18/2011 Keyes Lexus 34427 0099404 ADJUSTED TIRE PSI TO:FRT LT:36 FRT RT:36 REAR LT:36 REAR RT:36
Dealer Reported 05/18/2011 Keyes Lexus 34427 0099404 INSPECT FOR FUEL SEEPAGE PAST FUEL PRESSURE SENSOR.
Dealer Reported 05/18/2011 Keyes Lexus 34427 0099404 GRANTED:
Dealer Reported 05/18/2011 Keyes Lexus 34427 0099404 COMPLETED
Dealer Reported 05/18/2011 Keyes Lexus 34427 0099404 WATER PUMP ASSY &/OR GSKT
Dealer Reported 04/16/2010 Keyes Lexus 21503 0060656 COMPLETED
Dealer Reported 04/16/2010 Keyes Lexus 21503 0060656 9LG REPL PEDAL PAD, REFLASH, AWFM - IS MODELS ONLY
Dealer Reported 04/16/2010 Keyes Lexus 21503 0060656 GRANTED:
Dealer Reported 04/16/2010 Keyes Lexus 21503 0060656 GAS
Dealer Reported 01/28/2010 Keyes Lexus 19094 0051828 PERFORMED FACTORY SCHEDULED 20,000 MILES OR 24-MONTH SERVICE
Dealer Reported 01/28/2010 Keyes Lexus 19094 0051828 REMOVE INNER FILTER HOUSING AND REPLACE CABIN AIR CONDITIONING
Dealer Reported 01/28/2010 Keyes Lexus 19094 0051828 INSPECT TOE, CASTER, CAMBER, TIRE PRESSURE AND PERFOM NECESSARY - PEFORMED 4 WHE
Dealer Reported 01/28/2010 Keyes Lexus 19094 0051828 ENGINE AIR FILTER - REPLACED
Dealer Reported 01/27/2010 Keyes Lexus 19094 0051828 PERFORMED FACTORY SCHEDULED 20,000 MILES OR 24-MONTH SERVICE
Dealer Reported 01/27/2010 Keyes Lexus 19094 0051828 REMOVE INNER FILTER HOUSING AND REPLACE CABIN AIR CONDITIONING
Dealer Reported 01/27/2010 Keyes Lexus 19094 0051828 INSPECT TOE, CASTER, CAMBER, TIRE PRESSURE AND PERFOM NECESSARY - PERFORMED 4 WH
Dealer Reported 01/27/2010 Keyes Lexus 19094 0051828 ENGINE AIR FILTER REPLACED
Dealer Reported 09/08/2009 Keyes Lexus 14023 0037102 PERFORMED FACTORY SCHEDULED 15,000 MILES OR 18-MONTH SERVICE
Dealer Reported 06/19/2009 Keyes Lexus 10454 0028527 RECALIBRATE ECM (PCM) ENGINE
Dealer Reported 05/01/2009 Keyes Lexus 9468 0023444 PERFORMED FACTORY SCHEDULED 10,000 MILES OR 8-MONTH SERVICE
Dealer Reported 12/01/2008 Keyes Lexus 5206 0006742 PERFORMED KEYES LEXUS RECOMMENDED 5,000 MILES OR 4-MONTH SERVICE
Dealer Reported 12/01/2008 Keyes Lexus 5206 0006742 ADJUSTED PARKING BRAKE
Dealer Reported 10/31/2008 Keyes Lexus 502 0003653 LEXUS PERSONALIZED SETTINGS
Dealer Reported 06/18/2008 Keyes Lexus 10 0089048 COMPLETED
Dealer Reported 06/18/2008 Keyes Lexus 10 0089048 OTHER INSPECTION
Old 08-14-11, 10:02 PM
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KillaIS250
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Lets say you get the price down to 24,000....Figure 10% for tax/title/license = $26,400 financed. You have no credit, even if your dad has good credit, let's say they finance you for 5.5%. You'll pay around $430 a month as a payment.

I've seen people with little or no credit history have near double/double digit interest rates though, even with a cosigner. Take into account how much you'll be paying in interest when negotiating on the cars price too.

Insurance I would say is probably gonna be ~$200 a month for full coverage.

Last edited by KillaIS250; 08-14-11 at 10:06 PM.
Old 08-15-11, 02:24 AM
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ISiMichael
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Originally Posted by KillaIS250
Lets say you get the price down to 24,000....Figure 10% for tax/title/license = $26,400 financed. You have no credit, even if your dad has good credit, let's say they finance you for 5.5%. You'll pay around $430 a month as a payment.

I've seen people with little or no credit history have near double/double digit interest rates though, even with a cosigner. Take into account how much you'll be paying in interest when negotiating on the cars price too.

Insurance I would say is probably gonna be ~$200 a month for full coverage.
Thanks killa this makes sense to me and on the same track as well as price goes.

Anyone else have any ideas like killa?
Thanks everyone.
Old 08-15-11, 02:26 AM
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ISiMichael
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Originally Posted by Sango
Does it have AFS?

Here is the service history
What's AFS?
Old 08-15-11, 07:59 AM
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Originally Posted by ISiMichael
What's AFS?
AFS Adaptive Front-Lighting System. Bascially I'm asking if the car has HIDs. If you have HID, you have AFS.

Last edited by Sango; 08-15-11 at 08:17 AM.
Old 08-15-11, 08:08 AM
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rhy
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You can get 2.49% financing online, see penfed.org.

If you can talk them down to $24k, that would be great. As for insurance, it might be cheaper for your dad to add you to his policy.
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