[H17M3]

Hey guys. I have an 07 335xi sedan, jet black. Minor upgrades so far as I haven't had it long..m3 bumper, DEPO tail lights, jb4 stage 3 tuner, aFe DCI, BBS LM 19", etc.
The car has 84,000 miles on it and runs cherry, tan interior..extended maintenance plan until August 2013.
I paid $21,000 for this car in April 2012 and adore it, but I really want a black sports interior.

I found a 2010 328 x drive for sale locally..it has the M Sport full ZPM package, white on black interior. Only 26k miles (still has a BMW warranty), 6 speed manual. and they're asking $28k.

My current payment is $338 a month @ 7.5% interest (it's my first financed car hence the rate). They are offering me $17k trade in on my car and willing to knock down the M Sport to $26,900. With $2,000 down, it would be $420 a month for 5 years @ 7.99%.
Your thoughts, guys?

[Pete Schweaty]

7.99 is insane. If I were you I would keep paying on your current car to build your credit for a few more years. For an example, a 25K loan at 7.99 is $510 a month for 5 years. A 3.5% loan with the same terms is 450. That is $3600 you are giving to the bank in exchange for nothing.

Another way to build your credit is to open a credit card with a small limit, 1-$5,000. Make small purchases and pay it off in full every month. Dont put anything on the card you dont have the money for. These 2 things will build your credit pretty quick. Be sure to stay only about 25-30% maxed on your card. For example, if it is a $1000 limit never go above $300, and be sure to pay it every month so you dont pay interest.

[fatgrandma]

My first thought is WHAT THE HECK IS THIS DOING IN THE GALLERY SECTION?!.

My second thougt is it depends on what you are looking for. You've got a 335i with tune, so if power is what floats your boat, you will probably not like the 328 as much as you like your 335.

If you are going for the looks most people find the LCI more attractive than a 2007 PreLCI. And Black/White is always a classy combination.

When it comes to money I have no clue what you do for a living and how much you are willing to spend.

[H17M3]

Ideally I wanted my payment to stay sub-$400. Quick number crunching showed i would need the next car to be about $24-25,000 instead of $27K @ 7.99%.
I know the power difference is night and day..but I am also afraid of dumping $3k into turbos when the car is out of warranty in the future..

[wdeerfield]

I cant believe what people pay in payments. i thought my 2.74% was bad.. i would say keep your car and pay it off. Source the black sport seats from the forum. look for seats people took out of their cars to put in race buckets. Going from a 335 to a 328, you will miss the power.

[Hybrid For Life]

god damn those are some high % rates.

And yeah why is this in the photo section?

[BMWcoupe335ii]

Dude listen, you have a 335i now, and you want jump ship to a 328i. This is going to be one BACKWARDS move both FINANCIALY and in terms of cars . From what you said above you still have payments on your 335i (for how ever long) and you want to trade this car in and finance a 328i for FIVE YEARS at a higher car payment. Why would you want to finance a car for FIVE YEARS, it sounds like you really cant afford these cars, and I don't mean that in a disrespectful way at all. That's just backwards man, your going to be upside down on a car, and who's to say in like 2 months you wont miss the power of the 335i. If I were you I'd stick with the 335i and just buy the black seats you'd come out cheaper that way.

[Pete Schweaty]

If you are dying for sports seats, just go to the FS section. They pop up all the time.

A search for "E90 Black sport seats" turned up tons. Just be patient.

http://www.e90post.com/forums/search...rchid=25428351

[H17M3]

I can afford the payment, it's just a matter of not wanting to really spend more than $400 a month plus insurance on a car. $338 isn't a problem for me now, and I already have good equity into my 335 (I bought it for $21k plus taxes and have taken almost $8k off the principal balance in 9 months)

[idrift4wd]

i wouldnt do it. keep 335i

[KwlAznKid]

at that rate NO WAY, i'm getting financed at 1.98 right now or maybe it was 1.89 but either way WAY lower and this is my first car loan as well! do you have good credit? if you have good credit but just never had a car loan there are ways to lower your rate, don't let them rape you!

[KwlAznKid]

Originally Posted by Pete Schweaty

7.99 is insane. If I were you I would keep paying on your current car to build your credit for a few more years. For an example, a 25K loan at 7.99 is $510 a month for 5 years. A 3.5% loan with the same terms is 450. That is $3600 you are giving to the bank in exchange for nothing.

Another way to build your credit is to open a credit card with a small limit, 1-$5,000. Make small purchases and pay it off in full every month. Dont put anything on the card you dont have the money for. These 2 things will build your credit pretty quick. Be sure to stay only about 25-30% maxed on your card. For example, if it is a $1000 limit never go above $300, and be sure to pay it every month so you dont pay interest.

x2, this guy speaks the truth, also expand the umber of credit lines you have, have at least 3-4 lines of credit if not 5, never spend above half of your limit and always pay it off, establish a good credit and you have more negotiating room for your rates

[P1]

My opinion? Keep the car you currently have and modify it to your liking. It'll be more cost effective in the long run.

[phamlay]

Keep the car man. Your interest rate is insane.
If you have a certain budget to be under then picking up a new loan is not a very good idea. You will definitely miss the power difference. But at the end of the day it's your call.

[kihun]

this is.. stupid idea op

[H17M3]

Thanks for your input, I appreciate it guys. I am going to just keep my e90 335xi for now and mod it to my liking. Anyone selling black sport seats?

[Amini77]

Tough choice..you're definitely going to miss the speed but around 84k is when all the, not necessarily problems, but replacements, repairs, tune-ups, etc. start kicking it. Financially.. the situation won't change much for the better. So by getting the 328 you'd be avoiding the cost of the up coming tune up for your 335..but sacrificing the thrill of having the 335.

[demontwinz]

keep the 335i

[SoGood]

Wow, you have horrible credit. im 20 years old and got fiance at .9% and 10k down on my car. paid the rest of my car off in 3 months. I think you should just keep your car. Why go farther in debt.