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View Poll Results: Do you mod your car you owe on?
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I've modded every peice in my pursuit of speed!
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Moding before the car is paid off?

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Old 11-26-2006, 12:44 AM
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Originally Posted by BLK85
I would do bolt ons, but nothing like heads/cam, FI or something that will cost a lot of money. Spending thousands of dollars on mods doesnt make any sense, that money would make better sense going to paying it off.
I disagree. I got such a low interest rate on my loan that I dind't have to, but I financed 100% of the car. I'm only paying a little over $1k in interest over the five years of the loan. I guess it depends on your interest rate though.
Old 11-26-2006, 12:13 PM
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haha ****, i was talking about mods with the salesman while he was doing the paperwork.
Old 11-27-2006, 11:07 PM
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Pay the car off as quick as possible, but it will still probaly take atleast 1year to pay off the ride. I think you could save a few hundred and buy a few mods like exhaust, but don't do anything extreme like engine swap until the car is paid off.
Old 12-17-2006, 09:07 PM
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Just did my full exhuast and had to make a deal with the wife that I cant do any more mods until it's paid off.....But I am using my Tax returns for a heads and Cam pakcage.....Cant wait for it.....
Old 12-17-2006, 09:19 PM
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few months after i bought the car i did a cam, headers and true duals. and that was back in 04. now im about to leave for 6 months and if i dont sell the car first, ill probably pay all of it, or most of it off when i get back. then ill do major mods (rear end, forged motor, etc.)

if you have a steady income, make your payments, pay other bills, save a little for emergencies, and mod with the rest.
Old 12-18-2006, 12:09 AM
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i bought mine modded and im still modding it now, i only owe around 3k .
Old 12-18-2006, 08:26 AM
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I own my car (title in hand) and I'm modding it as much as I can (haven't driven it since May or June because of that )...I make a monthly payment on my truck, so I do simpler stuff thats easy to undo (though I love the truck and plan to keep it after I own it) like the stereo and clear corners...I might build it an exhaust soon, but I'll also keep the stock one. I have some mod plans for the truck after the title is in my hand, but thats a couple years off (unless I decide to just pay it off fast after I'm done with the current phase of mods to the car).

Car is an LSx powered T56 converted 95 Caprice, truck is a 2002 Silverado 2500 HD 6.0 4WD SCLB...sometimes I wish it was a Duramax...but oh well.
Old 12-18-2006, 08:30 AM
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my car had a 1000 miles on it when i cut the exhaust off and installed a borla. 1500 miles when i did the brake upgrade. Knew i was keeping the car for a long time so i had no problems modding before it was paid off.
Old 12-18-2006, 08:44 AM
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I guess it'd be "smarter" to pay the car off... but that's no fun. I'll be done paying for it end of this year.
Old 12-19-2006, 07:56 PM
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I did all my mods before I paid it off, and I still managed to pay the loan off a year early. I guess its cause I live at home for free.
Old 12-19-2006, 08:14 PM
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I asked the salesman if I could have money off if they didn't give me a warranty because I knew I would void it before long anyway. Picked up the car with 45 miles on it. Had it at the track with temp tags on it and before I made the second payment it had a lid, MAF, LT's, ORY, and muffler.
Thinking about it, I now have more aftermarket parts on it than I have stock parts.
I even had 0% interest but I paid it off early anyway.
I really don't see much problem with modding a rental if it makes you happy!
Old 12-19-2006, 08:34 PM
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if it says anything...i bought mine from a performance shop....so its stock ....been doing little things here and there...waiting until i get out of the military before i go too big
Old 12-19-2006, 08:50 PM
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If the payment were a problem I wouldnt have the money for mods! I am putting a stall in this weekend. (anyone selling a transmission jack/adapter near vegas?)
Old 12-19-2006, 09:49 PM
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I owe like 18k on mine and i've modded it some already. Man Im in debt lol.
Old 12-19-2006, 10:06 PM
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i threw a pretty nice stereo in my car the first year of a 4 year loan and low buck bolt-ons like a lid and !cags. it has to get a clutch in it and i'm replacing that with a ls7, but as far really "modding" before the car is paid off, no.

if something breaks i'll put a better component in its place. but i dunno, i just feel kinda wierd spending a shitload of money on something that i dont 'really' own yet.

i'm itchin' to start tho. its kinda humbling to know that every other darn ls1 fbody out there is just as fast or faster than mine. i'd like to at least be in the mid range.
Old 12-20-2006, 02:53 AM
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Originally Posted by 2002blackZ
I even had 0% interest but I paid it off early anyway.
I
If I had 0% interest I would make that loan last the whole time. If they (bank) wants to let me use there money for free I sure will. But it sucks having a payment.




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