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In the end, the KIA car company made its cars into subscription models, I really hate this because in the end the car we buy with our own money doesn't feel like it belongs to us. Should we finally buy an old school car ? so as not to be affected by this subscription models or is there a way to crack the software installed in it ?
I just Googled and the 2024 Telluride has an MSRP of ~$55,000 in my area, used 2023 models are about ~$45,000.
Looking at an auto loan calculator, that's between $700 and $900 per month with a 96 month 9% auto loan.
Point is, if you can afford the car you're probably not worrying about the subscription except on principle. If you can afford the car and have principle concerns you'd probably buy a different car.
96 month 9% auto loan 🤮 might as well flush your money down the toilet.
I definitely agree, but I went with the option which would have the lowest monthly payment. On the other end local rates have a 36 month loan at 6.75%, but that's $1,800 per month.
A cheaper car would've worked.
You're paying over 18k more for the car with interest over the life of the loan while it will be losing half its value.
The example is the Telluride though? That's the whole point. Of course any sane person would pick a cheaper car. For that matter why would you ever buy a brand new car?