You'll probably be pretty far upside down on your civic. KBB says 18k, so I bet a dealer would offer you 16k or less. Are you planning on trading or selling outright? you can trade in with negative equity, but the value of the car you buy can only be borrowed against up to about 120%. At that point your really pinning yourself in a corner if you bought the ST and then decided you didn't want it. I'd pay it down a bit more and look when you are breaking even on the civic. It sucks now, but your pocket book will thank you later. There will always be something out there that you want.
Wanting to trade 2016 civic EX-T coupe for ST2/3 2014+
I am not sure if posting this, in this forum is appropriate but we will see.
I am looking to trade my 2016 ex-t civic coupe for (preferably) a 2014+ st2/st3. I would like to know how I should go about doing so, and if I even should. My gen x civic is an auto and quite frankly just isn't as fun. When I originally went car shopping I was looking for an ST but "settled" on the civic because it was new. Now however I wish I would have gone with the ST from the start. KBB has my civic listed at ~18k and I have been finding ST2/3's for less than that. My civic was originally ~23 and I have paid a couple thousand off the loan. My friend brought up a good point and that was "if you are paying as much as you are, you should be paying for something you want" (which is an ST). So I guess my question is, how would I go about doing this?
Another reason for wanting the switch is I believe it would slightly less payments than my civic both insurance and car note wise.. But I am just curious to see what you guys think. I would wait for the SI but its gonna be close to 30k and I am not about to be paying even MORE for something when I just really want an ST.
I am looking to trade my 2016 ex-t civic coupe for (preferably) a 2014+ st2/st3. I would like to know how I should go about doing so, and if I even should. My gen x civic is an auto and quite frankly just isn't as fun. When I originally went car shopping I was looking for an ST but "settled" on the civic because it was new. Now however I wish I would have gone with the ST from the start. KBB has my civic listed at ~18k and I have been finding ST2/3's for less than that. My civic was originally ~23 and I have paid a couple thousand off the loan. My friend brought up a good point and that was "if you are paying as much as you are, you should be paying for something you want" (which is an ST). So I guess my question is, how would I go about doing this?
Another reason for wanting the switch is I believe it would slightly less payments than my civic both insurance and car note wise.. But I am just curious to see what you guys think. I would wait for the SI but its gonna be close to 30k and I am not about to be paying even MORE for something when I just really want an ST.
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