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Message: <blockquote data-quote="ARdoller" data-source="post: 662459" data-attributes="member: 8914">Financing an $18k car is far more realistic than taking that amount of a lump sum and just throwing it at a car you already own. If he was to drop $18k into his car, he'd probably have to wait 4 or 5 years to do so, by the time he has the money... by then, he may have already sold the car, and/or have other expenses to take care of. At least if he finances the car he wants, he'll have it right then and there, and can enjoy it now.I dont know too many people that can just pull $18k out of their pocket for modifying their car. Where-as, financing a car, you're paying for it monthly, which for most people is much more feasible, and also gives them what they want to buy right up-front, rather than having to bank that money and buy whatever you're looking to buy, after you have that money saved up.</blockquote>