My car is at the dealership... I get paid in two days.

E90Newbie · 07-27-2005, 01:45 PM

Here's my situation: I just started a job and I was planning on using my first paycheck as the down-payment. That first paycheck doesn't come in until friday... meanwhile my car is ready to be picked up.

Here's my question: would it be unreasonable for them to let me drive it *now* and give give them the money once I get paid? How about if I leave them a postdated-check?

It's such a nice bright sunny day here in Seattle and I want to drive my car home TODAY!!! Please help... any advice appreciated!

MBChariot · 07-27-2005, 01:50 PM

To be honest I don't see that happening, I could be wrong but chances are not too good. Has the car already been financed? Hope it all works out for you.

YYimports · 07-27-2005, 01:55 PM

Do you have a credit card you could use for the down payment? Just have them charge your credit card for the down payment and then pay it off in full once you get your check. Problem solved and you'll be in your E90 today!

:rocks:

Broken1 · 07-27-2005, 02:04 PM

I doubt they will release the car without the payment you are supposed to make. My dealer refused to release my car until they saw the money in their account! It's only 2 more days...just wait it out! (or the credit card idea...think of the miles)

silverado · 07-27-2005, 02:18 PM

E90Newbie:

Are you sure you're only a newbie to the E90?

No one will give you anything worth $35-$45K without your obligations being completely fulfilled unless you have a very special relationship with them. If you're a normal customer, forget it.

LEDZEP · 07-27-2005, 02:23 PM

You don't have money in the bank? Credit Card (as previously suggested)? No way they're going to give you the car without payment up front.

E90Newbie · 07-27-2005, 02:29 PM

Darn... well a man can dream can't he?

dbstang · 07-27-2005, 02:29 PM

Your First paycheck. How'd you even get the credit to buy the car. What interest rate did they give you. Very, Very unlikely they'll let you take it without gettin the money.

Good Luck!!!!!

ward · 07-27-2005, 02:44 PM

just take the car, then send the extra money to the finance CO when that get set up, your monthly's will be higher but you'll be paying it off quicker

ward · 07-27-2005, 02:45 PM

Oh yeah, or just wait 2 days to pick it up

E90Newbie · 07-27-2005, 04:51 PM

How about an "overnight-test-drive" except i'll be "test-driving" my own car???

David328M-Sport · 07-27-2005, 04:59 PM

I feel for you E90newbee,

I have been waiting from 18th July until 30th July (yep, this Saturday) for my credit card limit to be temporarily lifted and for its cycle to clock through so I won't have to pay for it until early September.

Granted I am in an E46 323i so its not too bad at all having to wait the 2 odd weeks.

Don't worry, we will be in our cars very soon, whichever way you finance it.
Drive safely.

Airboy · 07-27-2005, 06:29 PM

So what are you going to do for food, rent, gas, insurance after you used your paycheck as a downpayment?

E90Newbie · 07-27-2005, 06:34 PM

Quote:

Originally Posted by Airboy

So what are you going to do for food, rent, gas, insurance after you used your paycheck as a downpayment?

Who needs that stuff when you have a E90?

No, seriously though, I meant to say that i'll be using *part* of that paycheck for the downpayment...

Frank_NJ · 07-27-2005, 06:53 PM

To be honest...if you are relying on your paycheck for this, you should not be buying this car. You should have know what you need for funds. Never live outside of your paycheck.

YYimports · 07-27-2005, 06:57 PM

Quote:

Originally Posted by Frank_NJ

To be honest...if you are relying on your paycheck for this, you should not be buying this car. You should have know what you need for funds. Never live outside of your paycheck.

Eh he sounds like a young guy just starting work. A little financial irresponsibility is ok when you're young sometimes. Might be his dream to own a 3 series. So he'll be tight for a while financially but he'll be driving a dream and hopefully he'll work hard enough and get raises and such so things will get better. Have fun with it e90newbie!

Frank_NJ · 07-27-2005, 07:03 PM

Good point and when we are younger sometimes we do crazy things!

ward · 07-27-2005, 07:05 PM

Quote:

Originally Posted by Frank_NJ

To be honest...if you are relying on your paycheck for this, you should not be buying this car. You should have know what you need for funds. Never live outside of your paycheck.

sounds like a sure way to end up having kids, house .......

and never getting to enjoy the things you want like a BMW

money comes in and goes out for everyone, don't try and judge other people's financial desicions.
How're your 401K contributions Frank, you maxing those out???
(don't answer, that's none of my business)

JVFan · 07-27-2005, 07:50 PM

Live for today for tomorrow you may die....

bzzbenz · 07-27-2005, 07:52 PM

Well... I left the dealer without leaving my down payment. It was their fault they forgot to get it from me, and I was too excited to even notice. I called the dealer next day, and asked if they were missing $5000? He came and picked it up 2 days later. He didn't really make it out to be a big deal. It never hurts to ask.

e90fanatic · 07-27-2005, 07:57 PM

Quote:

Originally Posted by Frank_NJ

Good point and when we are younger sometimes we do crazy things!

I agree with you. Some people get over their head. But that's why the economy is so good. Let them spend it...it'll be better for all of us.

but to stay on topic, I'd say you better wait till Friday before you get your car. I highly doubt that they'll give you the car unless it's your dad that sold you the car.

latinadonis · 07-27-2005, 08:03 PM

Amen Ward, I'm young and had to make the same decision when I bought my first car just after I started my first good paying job, luckily I was responsible enough to use my bonus to pay off all my credit cards (btw it's never a good idea to pay tuition with credit cards- BIG mistake lol) but I needed a car so I splurged on a slightly used audi a4.

Now I'm upgrading to a brand new 325i

, luckily for e90newbie it sounds like he should be making decent enough money to finance his car and further needs, so I won't judge since I've been there myself...my only advice is go the credit card route too, that and don't get too excited driving that first new car, I was and quickly got 2 speeding tickets right after which has allowed my assurance to bend me over for the last 3 years

Enjoy the bimmer! :rocks:

07-27-2005, 01:45 PM	#1
E90Newbie Private First Class 20 Rep 132 Posts Drives: 330i ZSP Join Date: May 2005 Location: Seattle, WA iTrader: (0)	My car is at the dealership... I get paid in two days. Here's my situation: I just started a job and I was planning on using my first paycheck as the down-payment. That first paycheck doesn't come in until friday... meanwhile my car is ready to be picked up. Here's my question: would it be unreasonable for them to let me drive it now and give give them the money once I get paid? How about if I leave them a postdated-check? It's such a nice bright sunny day here in Seattle and I want to drive my car home TODAY!!! Please help... any advice appreciated! __________________ /* '06 330i \| ZSP \| Blk Sapphire/Blk 'ette/Alum \| 6MT \| 35% tint / / RAYS Lexion 105 19x8.5 (F) 19x10 (R) wrapped in General Exclaim UHP 235/35/19 (F) 265/30/19 (R) / Contemplating*: Blacklines, H&R sport springs, M3 steering wheel, M-sport shift knob + e-brake handle, CDV delete
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07-27-2005, 01:50 PM	#2
MBChariot HESSEN///M3 10 Rep 225 Posts Drives: TIag E46 ///M3 Join Date: Jun 2005 Location: Belton, Texas iTrader: (0)	To be honest I don't see that happening, I could be wrong but chances are not too good. Has the car already been financed? Hope it all works out for you. __________________ MB 330i ZSP Sport PKG TIAG/Imola E46 M3/OEM ZCP wheels "A6 direction Saarbrücken"
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07-27-2005, 01:55 PM	#3
YYimports First Lieutenant 54 Rep 306 Posts Drives: TitanSilver E90 Join Date: May 2006 Location: CT iTrader: (0)	Do you have a credit card you could use for the down payment? Just have them charge your credit card for the down payment and then pay it off in full once you get your check. Problem solved and you'll be in your E90 today! :rocks:
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07-27-2005, 02:04 PM	#4
Broken1 Addict 203 Rep 2,074 Posts Drives: 2024 X5 40i M-Sport Join Date: May 2005 Location: Ontario iTrader: (0)	I doubt they will release the car without the payment you are supposed to make. My dealer refused to release my car until they saw the money in their account! It's only 2 more days...just wait it out! (or the credit card idea...think of the miles)
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07-27-2005, 02:18 PM	#5
silverado Captain 288 Rep 874 Posts Drives: 2018 M2 Join Date: May 2005 Location: Boston iTrader: (0)	E90Newbie: Are you sure you're only a newbie to the E90? No one will give you anything worth $35-$45K without your obligations being completely fulfilled unless you have a very special relationship with them. If you're a normal customer, forget it. __________________ 2018 F87 M2 \| LBB \| Executive \| Moon Roof \| Apple CarPlay [2018 F22 M240 (sold) ; 2015 F22 M235i (sold); 2006 E90 330i (sold); 1983 E30 Coupe 320i (sold)]
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07-27-2005, 02:23 PM	#6
LEDZEP Lieutenant General 418 Rep 12,276 Posts Drives: 2009 E70 & 2011 F25 Join Date: Jun 2005 Location: Area 51 iTrader: (0) Garage List 2011 X3 35i M Sport [7.62] 2009 X5 M Sport [0.00] 2007 328xi E90 [0.00] 2006 325xiT E91 [0.00]	You don't have money in the bank? Credit Card (as previously suggested)? No way they're going to give you the car without payment up front.
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07-27-2005, 02:29 PM	#7
E90Newbie Private First Class 20 Rep 132 Posts Drives: 330i ZSP Join Date: May 2005 Location: Seattle, WA iTrader: (0)	Darn... well a man can dream can't he? __________________ /* '06 330i \| ZSP \| Blk Sapphire/Blk 'ette/Alum \| 6MT \| 35% tint / / RAYS Lexion 105 19x8.5 (F) 19x10 (R) wrapped in General Exclaim UHP 235/35/19 (F) 265/30/19 (R) / Contemplating*: Blacklines, H&R sport springs, M3 steering wheel, M-sport shift knob + e-brake handle, CDV delete
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07-27-2005, 02:29 PM	#8
dbstang My Car is a HYBRID! It burns gas and rubber. 6 Rep 75 Posts Drives: 2006 330i Join Date: Jul 2005 Location: Central NJ iTrader: (0) Garage List 2006 330I [0.00]	Your First paycheck. How'd you even get the credit to buy the car. What interest rate did they give you. Very, Very unlikely they'll let you take it without gettin the money. Good Luck!!!!! __________________ 330i/Monaco Blue/Beige lth/SP/PP/Nav/Heated Seats/Sat Prep
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07-27-2005, 02:44 PM	#9
ward Major General 155 Rep 6,158 Posts Drives: F Join Date: May 2005 Location: T iTrader: (0)	just take the car, then send the extra money to the finance CO when that get set up, your monthly's will be higher but you'll be paying it off quicker
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07-27-2005, 02:45 PM	#10
ward Major General 155 Rep 6,158 Posts Drives: F Join Date: May 2005 Location: T iTrader: (0)	Oh yeah, or just wait 2 days to pick it up
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07-27-2005, 04:51 PM	#11
E90Newbie Private First Class 20 Rep 132 Posts Drives: 330i ZSP Join Date: May 2005 Location: Seattle, WA iTrader: (0)	How about an "overnight-test-drive" except i'll be "test-driving" my own car??? __________________ /* '06 330i \| ZSP \| Blk Sapphire/Blk 'ette/Alum \| 6MT \| 35% tint / / RAYS Lexion 105 19x8.5 (F) 19x10 (R) wrapped in General Exclaim UHP 235/35/19 (F) 265/30/19 (R) / Contemplating*: Blacklines, H&R sport springs, M3 steering wheel, M-sport shift knob + e-brake handle, CDV delete
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07-27-2005, 04:59 PM	#12
David328M-Sport Brigadier General 101 Rep 3,566 Posts Drives: F30 M-Sport 328i Estoril Blue Join Date: Jun 2005 Location: Melbourne Australia iTrader: (0)	I feel for you E90newbee, I have been waiting from 18th July until 30th July (yep, this Saturday) for my credit card limit to be temporarily lifted and for its cycle to clock through so I won't have to pay for it until early September. Granted I am in an E46 323i so its not too bad at all having to wait the 2 odd weeks. Don't worry, we will be in our cars very soon, whichever way you finance it. Drive safely. __________________ 328i M-Sport, Estoril Blue, Carbon XP 35 Tint, front heated seats, black Dakota, Sports Suspension, Anthracite Headliner, HUD, Pro Nav, Sunroof, hk 600w, Bi-Xenon, 19" 403M wheels, Reversing Camera, DAB+, Xenon, BT Ext Connect, MST turbo intake pipe, MST Cold Air Intake, JB4 on Map 2 with Catless DP produces awesome performance in Sport.
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07-27-2005, 06:29 PM	#13
Airboy Private 2 Rep 82 Posts Drives: Some Subaru Join Date: Apr 2005 Location: Calgary, AB. Canada iTrader: (0)	So what are you going to do for food, rent, gas, insurance after you used your paycheck as a downpayment?
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07-27-2005, 06:53 PM	#15
Frank_NJ ///M Specialist 561 Rep 1,499 Posts Drives: E30 M3, E52 Z8, G83 M4Cx Join Date: Jun 2005 Location: NJ Shore iTrader: (0)	To be honest...if you are relying on your paycheck for this, you should not be buying this car. You should have know what you need for funds. Never live outside of your paycheck. __________________ 2023 M340ix my Daily Driver G83 M4CV, F80 M3 CS, E30 M3, Z8, other various BMW's Ferrari F8
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07-27-2005, 07:03 PM	#17
Frank_NJ ///M Specialist 561 Rep 1,499 Posts Drives: E30 M3, E52 Z8, G83 M4Cx Join Date: Jun 2005 Location: NJ Shore iTrader: (0)	Good point and when we are younger sometimes we do crazy things! __________________ 2023 M340ix my Daily Driver G83 M4CV, F80 M3 CS, E30 M3, Z8, other various BMW's Ferrari F8
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07-27-2005, 07:50 PM	#19
JVFan Lieutenant 36 Rep 515 Posts Drives: Very Well Join Date: Jun 2005 Location: Lloydminster, AB CANADA iTrader: (1)	Live for today for tomorrow you may die....
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07-27-2005, 07:52 PM	#20
bzzbenz First Lieutenant 19 Rep 368 Posts Drives: 2011 E93 Join Date: Apr 2005 Location: Orange County iTrader: (0)	Well... I left the dealer without leaving my down payment. It was their fault they forgot to get it from me, and I was too excited to even notice. I called the dealer next day, and asked if they were missing $5000? He came and picked it up 2 days later. He didn't really make it out to be a big deal. It never hurts to ask. __________________ \| 2006 325i \| Jet Black \| Black ette \| 6spd manual\| Nav \| Xenon \| Burl \| Chrome Tips \| 545 sport wheels \| Blacklines\| \|DOB 6/2/05\|Delivered 7/14/05 \|
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07-27-2005, 08:03 PM	#22
latinadonis Registered 0 Rep 4 Posts Drives: 2006 SG 325i Join Date: Jun 2005 Location: Boston, MA iTrader: (0)	Amen Ward, I'm young and had to make the same decision when I bought my first car just after I started my first good paying job, luckily I was responsible enough to use my bonus to pay off all my credit cards (btw it's never a good idea to pay tuition with credit cards- BIG mistake lol) but I needed a car so I splurged on a slightly used audi a4. Now I'm upgrading to a brand new 325i , luckily for e90newbie it sounds like he should be making decent enough money to finance his car and further needs, so I won't judge since I've been there myself...my only advice is go the credit card route too, that and don't get too excited driving that first new car, I was and quickly got 2 speeding tickets right after which has allowed my assurance to bend me over for the last 3 years Enjoy the bimmer! :rocks:
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