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Would the math of the financing change if it did not depreciate?

Posted on August 8, 2026 at 09:04:38 AM by DoctorD

Your resale value 10 or 15 years later doesn’t impact the relative benefit of paying cash vs financing. It’s really just the rate you are offered compared to rates of inflation or whatever else you would do with the money.

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Thread:

Went with daughter to buy a car, as the designated man… - By Craig August 7, 2026 at 07:39:14 PM
- I tell the sales guy that if the finance guy starts to bullshit I am walking out. I just want the loan, that’s it. And I shop loans before I even get there if they are not running a promotion.* - By MasterBates August 7, 2026 at 07:45:38 PM
  - I pay cash. * - By Cincywolve August 7, 2026 at 07:51:27 PM
    - Terrible to pay cash for a depreciating asset if the rate is reasonable.* - By Alpo August 7, 2026 at 09:10:53 PM
      - Would the math of the financing change if it did not depreciate? - By DoctorD August 8, 2026 at 09:04:38 AM
      - sure, if the interest rate is lower than the rate of return you can get if you invest the money... - By ajs August 7, 2026 at 09:50:22 PM
      - Mrs Cincy got pissed about he used cars. So I leased an Acura which I will buy out since she drives 1000 miles per year* - By Cincywolve August 7, 2026 at 09:16:28 PM
        
        Alpo just destroyed you, take a lap.* - By MasterBates August 7, 2026 at 09:22:12 PM
        
        A car is not an investment. Rates vary and deals vary. Take your load and wipe your chin drip* - By Cincywolve August 7, 2026 at 09:34:11 PM
    - Damn, must be nice* - By crumbs August 7, 2026 at 09:00:21 PM
    - big baller cincy (nm) - By suede August 7, 2026 at 07:52:19 PM
      - Negotiation strategy* - By Cincywolve August 7, 2026 at 08:00:31 PM
        
        Cash price is higher. Dealerships get paid to originate loans** - By xcheck August 7, 2026 at 08:18:36 PM
        
        Is this why I walk out and then lease ?* - By Cincywolve August 7, 2026 at 08:56:54 PM
- even for a cash sale, the time it takes to do all the paperwork and complete the sale is ridiculous...like 2+ hours* - By ajs August 7, 2026 at 07:41:26 PM

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