Any hardship of owning an ISF when you're 20?
03-03-13, 12:49 PM
#32
Lexus Champion
To the OP, your car should cost no more than 25% of your total income after all your bills are paid. However, I broke this rule. All depends on how comfortable you are financially. Some people here you're going to get other opinions because they may have a wife/kids/other more important responsibilities, however, if you're single, make enough to cover it....do what you want...it's your money.
If you end up having to sell the car because you can't afford it...no big deal. That's life...learn from it.
03-03-13, 12:52 PM
#33
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I'm 24 and I drive a 2013 Camry SE 4 cylinder, I'm going to be picking up a used 2010 ISF with 41k miles here in late April, with you being 20 and in college, I would consider a new Camry SE v6. It is a very quick car, I actually got a 2007 Camry SE v6 as a high school graduation gift. I loved the power, too, but as it started to get some age, I thought it was time for something different. So I ended up getting my current Camry, I thought the 4 cylinder was going to be more than enough, but I was wrong. Don't get me wrong, it moves for 4 cylinder, now I am kicking myself for not getting the v6, but I have been working SO much overtime, I finally decided I wanted the ISF. But I would consider a Camry SE v6 if I were you! Just my opinion, Good Luck!
03-03-13, 12:56 PM
#34
Lexus Champion
I'm 24 and I drive a 2013 Camry SE 4 cylinder, I'm going to be picking up a used 2010 ISF with 41k miles here in late April, with you being 20 and in college, I would consider a new Camry SE v6. It is a very quick car, I actually got a 2007 Camry SE v6 as a high school graduation gift. I loved the power, too, but as it started to get some age, I thought it was time for something different. So I ended up getting my current Camry, I thought the 4 cylinder was going to be more than enough, but I was wrong. Don't get me wrong, it moves for 4 cylinder, now I am kicking myself for not getting the v6, but I have been working SO much overtime, I finally decided I wanted the ISF. But I would consider a Camry SE v6 if I were you! Just my opinion, Good Luck!
03-03-13, 01:07 PM
#35
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10k down on a 35k car is not enough? that's almost 30%.... Insane monthly payments? LOL....I was paying almost little under 1400 a month for 4 years on my IS F with 0 money down....100% finance. Go America...LOL..
To the OP, your car should cost no more than 25% of your total income after all your bills are paid. However, I broke this rule. All depends on how comfortable you are financially. Some people here you're going to get other opinions because they may have a wife/kids/other more important responsibilities, however, if you're single, make enough to cover it....do what you want...it's your money.
If you end up having to sell the car because you can't afford it...no big deal. That's life...learn from it.
To the OP, your car should cost no more than 25% of your total income after all your bills are paid. However, I broke this rule. All depends on how comfortable you are financially. Some people here you're going to get other opinions because they may have a wife/kids/other more important responsibilities, however, if you're single, make enough to cover it....do what you want...it's your money.
If you end up having to sell the car because you can't afford it...no big deal. That's life...learn from it.
I'm 24 and I drive a 2013 Camry SE 4 cylinder, I'm going to be picking up a used 2010 ISF with 41k miles here in late April, with you being 20 and in college, I would consider a new Camry SE v6. It is a very quick car, I actually got a 2007 Camry SE v6 as a high school graduation gift. I loved the power, too, but as it started to get some age, I thought it was time for something different. So I ended up getting my current Camry, I thought the 4 cylinder was going to be more than enough, but I was wrong. Don't get me wrong, it moves for 4 cylinder, now I am kicking myself for not getting the v6, but I have been working SO much overtime, I finally decided I wanted the ISF. But I would consider a Camry SE v6 if I were you! Just my opinion, Good Luck!
03-03-13, 01:07 PM
#36
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Lol... what I'm saying is that, the ISF will probably kill him with the insurance and no the Camry isn't a sports car, but I would hate to buy a used car with no warranty when I could buy a $32k Camry and save money on insurance and gas. Lol, if you do choose the F, make sure you buy an extended warranty, even though its a Lexus and will never have problems, you never know. That's what I'm doing with my 2010 F!
03-03-13, 01:12 PM
#37
Lexus Champion
Lol... what I'm saying is that, the ISF will probably kill him with the insurance and no the Camry isn't a sports car, but I would hate to buy a used car with no warranty when I could buy a $32k Camry and save money on insurance and gas. Lol, if you do choose the F, make sure you buy an extended warranty, even though its a Lexus and will never have problems, you never know. That's what I'm doing with my 2010 F!
If you're trying to be rational about insurance, gas, and cost of the car, then why are you buying a IS F? You know EVERYTHING about the IS F is over the top. You don't need anything like this at all. With your mentality, we should all be driving Toyota Certified Pre-Owned Toyota Corollas...bullet proof cars.
It's a Lexus and will never have problems?
https://www.clublexus.com/forums/is-...h-reverse.html
Read up buddy
Mr 10 posts making comments like that 
Remember... ISH HAPPENS IN LIFE!SNOW: Go buy the car...you might not be around to experience the car tomorrow. With that said...I'm leaving to the Porsche dealership to sell my 2008 IS F and get a 2010 Porsche GT3 RS. YOLO!
Last edited by Just F Me; 03-03-13 at 01:15 PM.
03-03-13, 01:21 PM
#39
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He said he got a quote for insurance and it's $1800 a year...that's not bad considering he's 20.
It's a Lexus and will never have problems?
https://www.clublexus.com/forums/is-...h-reverse.html
Read up buddy Mr 10 posts making comments like that Remember... ISH HAPPENS IN LIFE!
It's a Lexus and will never have problems?
https://www.clublexus.com/forums/is-...h-reverse.html
Read up buddy
Mr 10 posts making comments like that Remember... ISH HAPPENS IN LIFE!
03-03-13, 02:15 PM
#40
My parents own ALLLLLLL Lexus, my parents bought me a 1998 ES300 in 2004 and I never had ANY problems. My dad drives an 08 ISF and a new 2013 LX. My mom drives a 2012 LS460... buddy I think I know. My parents get ALL fluids changed every 5k and tires every 20k... Their vehicles get washed every other day waxed every month. Their vehicles never touch gravel. Take care of your car. If your car has problems, then you don't deserve to be a Lexus customer.
03-03-13, 02:25 PM
#41
No one has brought up the most important thing, will the OP have enough $$ leftover to take out the ladies? No sense driving an F if ur putting $6 in gas in it to top it off before hitting the drive thru with a date to browse the extra value menu
03-03-13, 02:35 PM
#44
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My rule of thumb (for a young 20s buyer) is if you can't afford to buy it outright with cash on the spot, you can't afford to lease it.
And as for whether or not you can afford to buy a car outright - you can afford to buy a car outright if, after you've written a check for the car, you still have about a year's worth of living expenses in your checking account and/or in stocks, not including retirement accounts.
So if the car you're looking at costs $35k, you need to have $35k + 12*(monthly living expenses) in your bank account and/or investments.
If you can afford it, go for it.
And as for whether or not you can afford to buy a car outright - you can afford to buy a car outright if, after you've written a check for the car, you still have about a year's worth of living expenses in your checking account and/or in stocks, not including retirement accounts.
So if the car you're looking at costs $35k, you need to have $35k + 12*(monthly living expenses) in your bank account and/or investments.
If you can afford it, go for it.
03-03-13, 02:41 PM
#45
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There's income information for certain Lexus buyers. The median income for RX400h owners, for example, is a shade over $200,000/year. The median income for LS600hL owners is a bit over $400,000/year.
The ISF costs more than an RX400h. I only bring this up to emphasize the fact that owning a $60k vehicle (well, $35k if you're getting it used) is not to be taken lightly. This is a car for the well off.
If you make like $12,000/year as a college student and you're living paycheck to paycheck, I'd strongly suggest looking at a different car.
The ISF costs more than an RX400h. I only bring this up to emphasize the fact that owning a $60k vehicle (well, $35k if you're getting it used) is not to be taken lightly. This is a car for the well off.
If you make like $12,000/year as a college student and you're living paycheck to paycheck, I'd strongly suggest looking at a different car.