Please help, boyfriend wants a 2018 BMW 430i with 161k miles and multiple accidents history. How can I convince him otherwise?

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Sea_End9676@reddit

Tell him you won't fuck him until he pulls his head out of his ass. Why are you even with this guy? Imagine having a kid with someone so irresponsible.

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R_A_H@reddit

Seriously, pull the pussy and either his judgement changes or the decision is made for you. Best of luck.

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MarvinHeemeyer7@reddit

Pull the pussy made me seriously lol

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why would somebody get a loan on a 9000 dollar car... you can save that amount on even a shit paying job pretty quickly. the b48 engine is pretty stout... though the rest of the car? considering it's got an accident history unless the repairs were done well you're asking for trouble there.

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muphasta@reddit

Not really. If he is of the mindset that this vehicle is a good idea, my guess is that he has made a ton of other terrible choices in his life. Also, depending where they live, HCOL areas are notoriously hard for people to save up any money.

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emmatheproto@reddit

true... if he wants something german what he should be looking at is fourth gen jettas or golfs. those would be much easier for him to afford and the 2.0 8 valve gasser, and 1.9 tdi are pretty indestructible. but knowing the fact he's in the cheap bmw mindset means he'd write them off as crap.

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KiroPCM@reddit

Hell if he wants something "fun" there's always A3s with 2.0tdi's and even cheap A5's with their 2.7L V6 diesel

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emmatheproto@reddit

or a b5 4 motion passat with the 2.8 n/a v6 or 1.8t. or a b5 a4 quattro with one of those engines lmao.

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KiroPCM@reddit

I was gonna say about how AWD means really expensive repairs and higher fuel consumption....but he was gonna get an almost brand new 430i so nvm lol

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emmatheproto@reddit

also b5s are more expensive than the golf and jetta which are on the a platform. shame they only offered the r32 in haldex awd over here cus other engines could have it in europe.

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KiroPCM@reddit

Honestly a Mk5 Golf GT would be a fairly good choice for someone who wants fun but clearly doesn't have a GTI budget for fuel and parts, not the 1.4L turbo+supercharger one though, the diesel variant (2L iirc)

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emmatheproto@reddit

one interesting thing about the gasser golf gt before they did the 1.4. they initially used the 1.8t 20 valve from the mk4 lmao.

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emmatheproto@reddit

though here in na your choices for mk4 gti were either a 1.8t, or 2.8 vr6 (2002.5 and later vr6s were the 24 valve one) both fwd only. the 1.8t made 150 hp between 99-02, with the vr6 at 175 hp. 02.5-05 models had the 180 hp 1.8t or 204 hp with the vr6. we never really got the spicier 1.8ts like europe did. i guess vw figured that we like more cylinders for the same power. cause the gti in europe was 1.8t only with the 2.8 vr6 being in the normal golf but having gti improvements iirc.

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El_Pollo_Del-Mar@reddit

I was going to say no more blowjobs, but this works too.

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gmehodler42069741LFG@reddit

Only if he buys a used corolla with a ppi and service history and a sensible pair of new balances.

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akcutter@reddit

Goddamn this community is so boring

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Ok_Turnip_2544@reddit

damn that is hot

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Serious-Education-51@reddit

I wish this was even a threat. Even on good behavior it's no more blowjobs :,-(

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ImTheRealMarco@reddit

Yup.. feel sorry for OP since they seem actually half-decent and clearly not as.. dum.

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AdonaiGarm@reddit

This right here. Hell, she could fuck the next person walking down the street and that person would have a higher IQ than this guy. Just straight dump his ass for even thinking something so stupid.

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tyranny_made_easy@reddit

Second this, don't stay with someone that's irresponsible and can't even make a cogent argument as to why they want to spend money frivolously for a car that's going to cost them more money and it's already broke down.

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janitor1986@reddit

Yyrhh

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Glitchinthematrix373@reddit

The only one that’s gonna fuck this guy is Full Throttle Powersports!

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Minotaar_Pheonix@reddit

There are searing burns, but this is meteor that killed the dinosaurs. Omg ow.

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TheseHeron3820@reddit

Having a kid? The boyfriend *is* the kid.

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Cant_Work_On_Reddit@reddit

This is all true, but imo the red interior should have been the first (and last) straw, loan, damage, everything else aside that shit is atrocious

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_redlines@reddit

No. White on red is classic color combo. Actually best part of this car. Admittedly my bias.

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len2680@reddit

Love the red.

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undernightmole@reddit

A lot of people’s end goal isn’t to have children.

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One_Evil_Monkey@reddit

Yup. Cut him off. Buying that car is a horrible financial descision in **so** many ways.

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Whiplash104@reddit

My friend wins a BMW/Mercedes auto shop. He says people get old BMWs and no idea how expensive they are to maintain. This car sounds like it’ll need some expensive maintenance.

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Rock5t3r@reddit

Pull up auto trader and put the specs in your search nationwide to find a better car at the same price.

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Ok_Amount1038@reddit

He’s so dumb dump him for even thinking it. I was close to making that mistake before and stopped myself. 20 years later I’m in a great place with a decent house, paid for diesel truck, Harley and a lambo. Yes seriously. That single instance gave me a reality check on spending.

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TheGrinchWrench@reddit

Nothing is more expensive than a cheap BMW.

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TheWhogg@reddit

Bullshit. All of my cheap BKWs have been outrageously cheap motoring. There’s nothing more expensive than getting someone else to work on your BMW. If I was going to a mechanic each time, I’d be paying 20-30x as much for repairs and servicing. Tell BF if he wants the car, he has your support IF - he gets ISTA on his laptop - he uses it to scan this wreck - he has credit union finance preapproved - he explains to you how to replace EVERY serviceable fluid and filter on the car using FCP lifetime exchange stuff

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zach1396@reddit

I grew up around BMWs and know them like the back of my hand. People’s negative stigma about BMWs are from people expecting them to be like a 20 year old Honda and neglecting repairs. Extremely easy vehicles to work on and plenty reliable. Especially with the F serious and G series reliability has been better than a lot of the E series cars

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austic@reddit

It’s not they are unreliable. It’s just expensive when shit breaks. I had a 335xi that got a nice 5k bill for some engine work but the parts were in low supply and expensive.

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BrewingBitchcakes@reddit

The bigger the number on the badge, the more unreliable it is. The reality is you're trading the power, precision, and handling for reliability. The tighter the tolerance, the now power out has, and the more complicated the systems the less reliable it's going to be. That and the use of real rubber gaskets in the absolute worst and hardest to get at places are what give them the reputation they have.

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KiroPCM@reddit

As much as your comment makes sense in theory....the first part is just straight nonsense, the 4 bangers on the E90 were FAR worse than the I6's in terms of reliability.

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zach1396@reddit

I mean unreliable in the sense of a 18+ year old neglected bmw, not something that actually has maintenance records. Like e39s for example, everyone I’ve came across unless it was an m5 or 540 have all been trashed

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motorwerkx@reddit

My first bmw was an e36 328i. I sold it around 190k miles, and the last I knew it was still being driven pushing close to 300K. I did my own work so maintaining it really wasn't expensive. It only left me sitting one time in all of my years of ownership and that was when the plastic impeller water pump blew apart. I'm still in the process of running the wheels off of an e60 535xi.

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zach1396@reddit

Nice mine was also an e36 but a 318 vert. Loved that car but because of that car I will never buy another convertible. The back seat was always full of water when it rained. And at the time a top and replacement at a shop was just as much as I bought the car for. And trying to find a hardtop just out of the question too. As much as people hate on the little m44 it was dead reliable, overheated it, beat the piss out of it all the time, and it was slammed, that thing too whatever my dumb 16 year old self threw at it. Sold it to someone who was gonna use it as a drift car but idk if anything came out that. Back in 2017 I bought a e60 535 that the previous owner crashed and left in has backyard for a few years. Reprogrammed a new battery to it and it started right up, never had any problems with it besides a rouge injector. Then sold it to a friend in 2021 at 215k and it’s still his daily now.

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motorwerkx@reddit

That's my only complaint with the n54 is that i feel like I'm forever chasing misfires. It seems like whenever I get it running smooth again I don't get that much time out of it before it's back to intermittent misfires. I bought it 30k and I'm pushing 150k now. I really don't drive it that much so I'm going to have the car forever at this point. My wife has had three cars and the time that I've owned this one. Unlike my E36 I really haven't done much in the way of modifying this one. Just the basic jb4 and necessary bolt ons. If it weren't for the limo tint it would be a complete sleeper. It's way faster and more luxury than my E36 but that E36 was so much fun to drive. I still miss it.

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zach1396@reddit

N54s just doing n54 things lol. I really miss my e60 but I told myself if I get another one it will be an m5, that is my dream bmw.

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Kind-Pop-7205@reddit

First month in to used bmw ownership: Soft top motor gears broke (made of plastic!!!) multiple hour repair. That was just the first thing. Plastic water pump failed. These cars are not reliable, and not cheap to fix.

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zach1396@reddit

Fixing it yourself will save you money and gain you knowledge. I’d never buy a convertible again because my first car had a mini pool in the backseat everytime it rained. All convertibles are expensive to fix when something breaks doesn’t matter what brand it is. Electric water pump is extremely easy to fix, can be done in a few hours. They are plenty reliable, considering I grew up around them and owned 7 with 3 of them having over 200k with no major repairs. Whole family has had them with no major repairs as well. The American and Toyota/lexus vehicles on the other hand have all been a crap shoot.

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jccaclimber@reddit

The problem is either: People treating a car with mandatory periodic maintenance like it doesn’t need any until something expensive breaks. People not realizing that service prices are based on the luxury nature of the dealership and the original price of the car, not the fact that it’s now cheaper and used. A family member got a 10 year old higher end BMW at 10% of the new price, and was then shocked a couple years later when the VVT solenoids were going to set him back $3000 just in parts.

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zach1396@reddit

I had a vanos failure on my e46, I got them replaced through dr. Vanos, and used Fcp euro for everything else (valve cover gasket, oil change, spark plugs, the while you’re there stuff). I think I spent about $1,000 and replaced everything over the weekend. My friend also had a failure on his but he was rear ended before we were able to fix it

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jccaclimber@reddit

I wasn’t there for it. He had something to say about the car not accepting aftermarket parts and his model not having enough volume for used parts to be reasonable. I suspect the OP is closer to him than you and I.

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zach1396@reddit

Interesting

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jules083@reddit

I worked with a guy once that only drove BMWs. He was an ex mechanic and pretty damn good. Whenever he saw a good deal on a used BMW that needed work he'd buy it, spend a month or so in the garage going over it, and it would be his new daily driver. Whatever car he was driving was typically for sale, his wife had one too, and he usually made decent money reselling them. He always stuck with a bit of an age range, I worked with him off and on for 15 years and I swear every car he drove was always about 8-10 years old. I'm guessing that's kind of the age when you can buy them cheap broke but still sell them for decent money fixed. I'm not sure. I have a BMW motorcycle, it's the same as their cars. Parts are expensive, mechanic shops are ridiculously expensive. It's a little less reliable than some Japanese stuff and quite different to work on but nothing too terrible.

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zach1396@reddit

Yea I would love to flip exclusively European cars but I need a bigger house first lol. Everyone in my family currently has or has in the past owned a bmw, and when my grandparents were stationed in Germany they bought a few brand new, 2 of which they imported to Alaska, when my grandpa retired.

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jules083@reddit

I know a bunch of people that make a little bit of money doing that. I have the garage and ability but not the ambition. Just such a pain in the ass dealing with buying the thing, figuring out what surprises the seller didn't disclose, then dealing with buyers when it's time to sell. Personally I buy what I like, drive it for years, and when I'm ready to sell the damn thing is pretty well ready for the junkyard. Right now I have 2 daily drivers, a fiesta with 240k miles and an old Ranger with 180k miles. Someday soon I'll have to make a decision when one of my 2 finally gives up, not looking forward to that day. Either need to start daily driving my Crown Vic or Miata, or take my wife's Focus and get her a new car. Crown Vic and Miata both have never seen snow or salty roads and I hate to see the rust that will start on them. Logical answer is to take her Focus but that means I'm spending 15k on a good used car for her instead of $2500 on another beater for me.

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zach1396@reddit

Yea see my problem is I get attached to a car. I’ve owned 7 bmws already. But now have a 67 mgb that was my grandparents that is getting 2jz swapped, a 92 Subaru svx that my uncle bought brand new, a modified Volvo v50 with 300k. That car was my daily until I turned up the boost a little bit too high and cracked the cylinder liner. It still drives but I have a very big plan for it in the future. Now I daily a 2019 Honda insight, gets me 45-55mpg. Plus a tow rig, some dirt bikes and quads and my girls car. The cars I have right now are definitely a keep, I’d like to add a few more but my driveway, garage and street parking is full 🤣

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jules083@reddit

Same. Very attached. My fiesta should be in the scrapyard. But I love that little shitbox and want to see just how far I can take it. Same with the dirt bikes and tow pig and all. 99 k2500 Chevy, 3 ATVs, 3 dirt bikes, few motorcycles, 2 go karts. Plus my son has a dirt bike, atv, and go kart. A TTR90 I just built the motor for that's going to be set up as a pit bike. A 1944 Farmall M tractor I really didn't need but thought it was cool so I bought it. You know the deal, just 20 years of accumulating things and never selling them. Most of it the resale value is so low it's worth keeping around. Like my little TRX250X, it's not really a nice ATV but it's fun to ride and realistically worth about $1000 on a good day. For $1k it's worth it just to be able to go play every now and then, and if a friend comes over they can ride it while I take my Foreman. Same with my extra dirt bike, I don't ride it much but it's worth like $800, it starts first kick every time, and is just handy to have around. I have a ton of hours on that thing just cruising in second gear following my son around on the same trail doing loops. Probably saved close to 800 by now just in fuel and fouled spark plugs if I tried to do that on my YZ250. Lol

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zach1396@reddit

Nice dude, I’ve always wanted a c1500. As I’ve gotten older I’ve started to like tractors, just like you I have absolutely no reason for one 🤣

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jules083@reddit

Sorry for the advice, but check out a Farmall A on marketplace. I have one of those too, also a 1944 model. They're small, cheap, incredibly handy, and if you find one with a belly mower you can kind of justify the purchase since you can mow your lawn with it. At least that's what you can tell your wife. Lmao If you get one a little newer you can find one with hydraulics and a fast hitch, could plow a garden with it.

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zach1396@reddit

Definitely something to think about, especially once I get a bigger property

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len2680@reddit

This the problem. People don’t service cars like they should.

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prairie-man@reddit

you're assuming he knows the difference between a screwdriver and a wrench.

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TheWhogg@reddit

I’m assuming when he sees his first quote he will figure it out pretty quickly. And I’m outlining a reasonable minimum expectation where OP can say she didn’t oppose him. We all know the 🤡 will not honour any of it. But I’m trying to avoid the mindless “no.”

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EuroCanadian2@reddit

Would you add replacing plastic cooling system parts at this age and mileage? Do you think a CU would entertain a loan for a car with this many miles? I sometimes hear the cutoff is 100k miles, and $10k minimum for the loan. I suppose it may depend on the individual CU...

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TheWhogg@reddit

I’ve said he should commit to a OFH / OFHG. No doubt there will be incidentals.

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BudFox_LA@reddit

You’re correct, but dude, the vast majority of people don’t even know how to open the hood of their car. I saved a lot of money, wrenching on my last BMW, but I still took it to the shop for big maintenance intervals. Unless you have a lot of know how, tools and time, thinking you were going to buy a cheap old BMW and work on it all the time is a pipe train.

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throwawayla22@reddit

Don’t forget you also need torx bits for the most random things. VANOS failing is also a common bitch of a problem, at least on my buddy’s old E90 335i (n54). And my goodness the genuine parts are fucking expensive even compared to buying genuine Honda parts. Add in other specialty one off tools, and oh boy. I can do pretty much everything short of the crank bolt with just a harbor freight metric socket set and a 3/8ths ratchet on my integra. Doing your own work still absolutely saves a ton of money, but even though he has a lift, essentially infinite free time, and more tools than most mechanics do after 10 years he still ended up selling it because he just couldn’t justify spending the time and effort anymore.

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Pwrdbym@reddit

If a $20 set of torx bits is what’s stopping you from DIY maintenance, I agree the person should buy something else.

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BudFox_LA@reddit

No, I get it. I have no interest in driving a BMW passed the hundred thousand mile mark. My last one was a 2016 328. I bought new, ran stage one with a downpipe and a lot of my own work on it for nine years. The car was very reliable but still expensive to own. I got out when the getting was good at 96k

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throwawayla22@reddit

Yeah I nearly bought a throwaway E46 330k with 220k on the clock. The motor was apparently “fine”. Car needed a clutch and that was it. It was only 1k and it had minimal rust. I had to be talked out of it considerably. Definitely glad I ended up with my integra, even if a completely POS 220k E46 would’ve been a lot more fun. Until the motor blew the first time I did a 2-3-4 pull.

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BudFox_LA@reddit

I understand the temptation, I am always looking at those things on Bring a Trailer.

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throwawayla22@reddit

I would’ve had to drive from Pittsburgh to Philly with a trailer……….. I should’ve done it lmfao, 3 cars ain’t shit. I deleted Facebook marketplace and no longer go on bring a trailer because I kept being extremely tempted. Yeah it needs a month of work working 20 hours each weekend………. but……………….. I can always resell it for profit once it’s fixed? I think my GF would kill me if I bought another car though, so I have that going for me at least. Unless it’s a Miata for her.

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TheWhogg@reddit

Hence the rest of my comment.

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cloudguy-412@reddit

If this guy needs to finance any $9000 car for 6 years, they can not afford that car

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TheWhogg@reddit

We all know he can’t afford the car. Frankly I’d rather he ruins his life over a $9000 car than a $90,000 car like most 🇺🇸.

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BillyJohnsFinds@reddit

For real. I bought a E39 for $2800 drove it 6k miles did nothing and sold it for 6k. Picked up a E34 5 Speed with LSD right after that as a winter beater. Been bulletproof. I also drove a E46 all throughout college and it was already a 20 year old car at that point.

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TheWhogg@reddit

People who forget to change the oil don’t belong anywhere near a Camry either. I had several friends destroy a series of Toyotae.

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newtonreddits@reddit

Yeah and it's the B48. Best case scenario BMW engine

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Good-Operation4373@reddit

And nothing is more expensive than a cheap Mercedes!!!! 👆 This guy knows!!!!!!

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newtonreddits@reddit

The 430i has a B48 engine calm your tits

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Stackertotherafters@reddit

The more I read, the worse it gets…..

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Ok-Match5132@reddit

Big Money Wasted-BMW

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Humanbacon2112@reddit

Get a new BF

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Henrytrand@reddit

Who pay for that, if he lay let him be but told him you will never lend him money if the car having problem layer. If both pay or you pay then tell him you not gonna spend a dime on that junk

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Immediate_Clue_3980@reddit

lol how old is ur boyfriend Secondly that car is worth 4k max !!

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vwslayer1@reddit

He's got a baby pee pee. You can't help him . Leave him let him find out. FAFO. You seriously want to be with that type of dude ? Won't listen to his lady,? No smart choices ??? Probably wears too much shitty cologne. Ask yourself the bigger question. Why are you with this loser ?

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vwslayer1@reddit

Break up with him. I have a Toyota Tacoma 😉

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Due-Cardiologist-788@reddit

Get a new boyfriend 🤣

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StrangeBookkeeper187@reddit

Leave his ass

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FatalOstrich@reddit

The mom and pop/buy here, pay here places always have cars that have issues. If the car didn't have issues, the dealership it was traded in at, like Honda, Ford, Toyota, Subaru, Chevy, etc would have just put it on their lot for a quick flip. Sometimes higher mileage vehicles like that just automatically go to wholesale for the mom and pops to buy, but I wouldn't personally touch that car from a mom and pop. My BMW 335i has required $4000/year in repairs and it is one of the more reliable BMWs that I have owned for 5 years and am the second owner of. This car has been very well looked after and still eats up the bank account. If he has to take out a loan on a $9000 car, (I am spending $6000 this year on maintenance), I would highly advise against owning one of these cars. With that low of a budget, he should be driving a Toyota or Honda. He will be upside down on that car FAST and that is a scary situation! Please steer away from that car. The appeal of a BMW is the turbocharged inline 6 or V8 engines and that one he's looking at has a 4 cylinder. A Toyota Camry with a V6 is just as fast!

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Buy-NVDA@reddit

Slow crappy car tell him its lame

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Previous_Set_676@reddit

hes an idiot

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MichaelYYZ@reddit

Dump him. He’s useless.

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CafeRoaster@reddit

Gotta seriously doubt the decision making skills of your boyfriend.

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No_Tower_7026@reddit

Way too high of miles in general and iirc, that’s a turbo motor. $$$$ expensive when the turbo goes

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SteeringwheelHoleDER@reddit

Leave him for a smarter person lol.

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Professional_Show918@reddit

How much is the insurance going to be?

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Imaginary-Art1340@reddit

Change boyfriend. But seriously show him how much he'll pay at the end of the loan. He'll be better off buying a new bmw considering all the repairs and maintenance he'll need at that mileage

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MarsRocks97@reddit

Plus the likely 25% interest.

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KGnor@reddit

The amount of people that is not even checking the interest rate on loans and credit cards is simply wild. Talk about pissing money away..

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jules083@reddit

Coworker wanted to buy a used Harley once. Asked me to ride it home for him, the dealer wouldn't let him since he didn't have a motorcycle license. Whatever, not my circus not my monkey. I asked about the bike, genuinely curious because I liked it a lot. Coworker said it was like $279 per month when I asked the price. His response when I asked more was 'I don't know anything about that'. Ready to sign for this thing. Didn't know the sale price, interest rate, or even length of the loan. Couple days later he told me he's not buying it. He went to the dealer to finish up paperwork and he said 'They found out about my truck that got repossessed last fall' so they didn't get the loan to go through. Dude was driving an old piece of shit Mercury Topaz his brother gave him, his wife had a Chevy Blazer that was 20 years old with a pile of miles but surprisingly looked pretty decent still, and they had 2 kids that were like 10 and 12 years old, and his next purchase was going to be a Harley.

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UnnecessaryPeriod@reddit

Don't be talking shit about a Mercury Topaz buddy. My brother and I had 4 of em. Well one was a Ford Tempo but you get it. And he had a Blaiz!? Dude musta been rolling in pussy. I dont know where this was going but ya

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BlitzFortyV@reddit

Don't shit talk the blazer either. Most of them only need 17 transmissions in the 500,000 miles the engine is good for 😂 in all seriousness, my 2003 is a tank. Almost 300k on it on the original drivetrain and it has 17 billion electrical problems but drives great and will probably outlive me

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jules083@reddit

I had an 84 Tempo I bought for $100 back in about 2001. Damn thing was impressive. Never did any maintenance, drove it like it was a rally car for like 6 months then stripped it and ran it in the county fair demolition derby in the 4 cylinder class. Little thing did good, it still ran afterwards. Dead battery knocked me out, it kept stalling out on big hits and I was restarting it like every 30 seconds or so. Was bent so bad after the fact it drove sideways, would make 4 tire tracks driving down a dirt road. Drove it to the scrapyard like that fingers crossed I didn't pass a cop. Lmao

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Josey_whalez@reddit

There’s a ton of people out there who just want to drive something that says BMW or MB on it and don’t care about anything other than what the monthly payment is.

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kryts@reddit

You know he doesn’t have BMW repair money either lol.

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kzin@reddit

72 month loan on a 9k car is wild. He’s probably young and will absolutely get reamed when it’s time to put insurance on it if he even bothers

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BobertHillingtonIII@reddit

The interest rate on a credit card doesn’t matter at all if you use it properly. Could be 40,000% and I’d never know

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intrepodor@reddit

And miss 1 payment and car is repoed

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SeeYouOn16@reddit

If you can't afford a new BMW, you can't afford a used one.

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CharacterResearcher9@reddit

Only buy a used luxury car if you can fix them yourself, and the price is similar to the price of returfing the dirt patch it sits on. Needs to be high volume model as well. Had an old saab 900 for many years (liked the technical lux) bought for next to nothing. Abs pump failed the day after i bought it. Got a full abs assembly from a 9000 a lazy scrapyard sold me for $50. Legoed the bits i needed into the 900. Would have been thousands at a mechanic. As would doing the head 5 years later, as would replacing the gearbox 5 years after that. Too lazy for that shit now, rust got it at the 30 year mark :-(.

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BeigeChocobo@reddit

I don't think the dude looking to finance 9k for a German car at death's door is going to be particularly swayed by those things.

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Sea-Representative26@reddit

Unless hes paying cash and has an extra $3k buring a hole in his pocket this is a mistake

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intrepodor@reddit

There's a reason they're buy here pay here. They buy pigs ears and make them look like a silk purse. Look into their garages how the cars look when they 1st get them. These are the vehicles you see on the side of the road 2 blocks from the dealer.

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IllMasterpiece5610@reddit

That dealer paid 1000$ for it at auction because that’s all it was worth. Buying it and all the problems it comes with would be stupid. Taking out a loan to buy a used car is the dumbest financial decision anyone can make. Buying this car from that dealer is the second dumbest. How old is this kid?

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The_Cars93@reddit

Sounds like he has to learn the hard way. If you’ve told and shown him why this isn’t a good idea and he wants to do it anyway then let it happen. You’ve done all you could. My answer may be different if y’all have joined finances this purchase affects that in anyway.

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Intelligent-Boat-157@reddit

Absolutely do Not co-sign for him.

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Emotional-Buddy-2219@reddit

If you can’t sway his decision making on this, you may have to let him get hosed on this; however, make absolutely sure he can do without a car and without you driving him places if it is in the shop a lot (pretty likely), that he can afford the repairs/insurance while contributing the same amount to monthly living expenses as before the purchase, and absolutely tell him you cannot co-sign on the loan or give him money down the line if he didn’t budget properly. You may also want to look into options if things go south and he fails to pay his portion of things/falls behind on rent/mortgage… just in case you find yourself newly single or evicted.

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sosdesos@reddit

Does he not like money? Because that’s how you lose all of it.

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Honest-Contact6531@reddit

Is he a really good mechanic, with access to a shop and tools? Or, does he have real deep pockets? BMWs are not beginner-level cars. Even a good one takes a lot more effort (or $$) to keep it on the road than your typical Accord.

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Itchy_Win_7310@reddit

I'd rather get a Nissan 370Z instead

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ejjsjejsj@reddit

If he thinks this a good idea and won’t listen to reason he is dumb and stubborn. Not good qualities in a relationship

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058kei@reddit

Im currently driveing a car with a salvage history started at 43k miles everything was great paid 8.3k in total.....up untill maybe around 2019-2021 it started haveing front end issues and today at 103k miles im currently saveing up to change cars A 13 sonata base model it has served me well but basically the fact remains the front end is going to shit fast is a huge let down so let ur partner know the only thing waiting for him is imminent disapointment

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EuroCanadian2@reddit

Wouldn't any 2013 Sonata with 100k miles have worn out front end parts?

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058kei@reddit

Any car really but the point of my post is if the cars got a accident history keep that in mind it may be telling of the condition of the car---that didnt stop me though XD

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SP92216@reddit

He needs to walk away from that with the same urgency you need to walk away from a person like this. BTW Before he asks be ready to say “No” to a co-sign.

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Aggravating-Dig783@reddit

Run. It is too late for him, but you can still save yourself. RUN!!!

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SeasonedAdManager@reddit

If you buy this car I will leave you because it shows you have very little foresight or thought for your, and our, future. It’s a poor purchase, it’s a bad car. Why don’t we revisit getting a mew BMW when we are in a better spot financially?

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El_mochilero@reddit

You are getting a fantastic glimpse at your financial future with this man. Good luck with that.

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Loud-Relative4038@reddit

I’m sorry but you spelled “girlfriend” wrong…tell him that you have to tightened the lug nuts in a star pattern because he probably doesn’t know. Why the fuck would you buy a 430i anyway?

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Coolbrazz@reddit

When it comes to cars and wants, especially if you’re a younger male without responsibilities (baby mama’s) It will be hard to talk him out of it. Let him learn the hard way, and make sure you have a reliable car.

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Key-Chart-3170@reddit

Please tell us you’re punking us… This is the perfect storm of how NOT to buy a used car… Maybe he can get weekly, cash payments…🥴

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PlaceProfessional619@reddit

honestly just show him this comment section and you should be good🤣🤣

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41510akland@reddit

Leave that moron now or you will end up paying for his car notes and maintenance fees

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BabblingZathras@reddit

Sounds like he is in love. Love makes you do dumb shit and cars are like that for many boys and girls. He probably also does dumb shit for you too. :) Good news, there is no cure.

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Kelly_389@reddit

9 tysięcy dolarów to dość nieduża kwota. Ale finansowanie samochodu za pomocą kredytu jest nieodpowiedzialne. Najlepiej będzie jak poczeka a będzie miał satysfakcję z tego że sam na to zarobił. Przepraszam za użycie języka Polskiego i pozdrawiam.

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Organic-Climate-5285@reddit

Sounds like it’s time to let him go.

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Academic_Training_56@reddit

Please listen to me. I spent much of my early years working at places like that. There is precisely zero chance this car is a good car. Something \*will\* break soon. There isn't even a slight chance the car is any good, because if it \*was\* a good car it wouldn't have ended up in a BHPH lot in the first place. BHPH lots buy cars at auction and sell them to people who cannot afford them. Getting a car cheaper at auction is just like charging a customer more money. Since we're selling to very low quality customers, we \*must\* be very disciplined about what we spend on our inventory. This means we only buy the cheapest, most worthless, trashed, run-down cars we can find that other people don't want. The most successful place I ever worked at the business model was to buy luxury cars that were cheap because they had expensive problems, sell them to poor people who couldn't afford them, then repo them in a couple months when they fell behind or something broke. If he buys this BMW, it will probably be gone in a year, and it will keep him poor long-term.

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wickeddimension@reddit

Can you explain to this clueless European how a dealership makes money off selling people cars they can’t afford, fall behind on payments and they have to take it back? That sounds like they’d lose money every time because how are you going to get money from somebody who doesn’t have it?

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qmriis@reddit

There's a John Oliver bit about this where they track one shitty car through a dozen or so owners.

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Yoinkitron5000@reddit

They'll get a few payments before the person they sold it to really figures out that they cant afford it. Then they reclaim it after missed payments and repeat the process with some other idiot who can't do math.

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GreasyWhovian@reddit

BHPH places will also clear codes just before the purchase goes through, and sell it as is. That way, when that slew of misfire codes, evap codes, thermostat codes, or what have you, come back, there's no recourse. Seen it plenty in my career in aftermarket parts retail.

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Best_Construction823@reddit

Your BF is an idiot and a clapped out BMW doesn’t make you a baller. He’ll be putting M badges on it by the end of the week. You’re dating a poser. Dump his lame ass and let it be someone else’s problem.

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Key_Shoulder3853@reddit

I bought a bmw at 16 for 15k. It had 60k miles, 1 owner, no accidents. It now has 150k miles 5 (not at fault accidents) and aside from the money insurance has put into it, I've spent 25k in maintaining it. I most recently replaced the engine myself. The cost would be significantly higher if I didn't start working on it myself. Point is, they're cheap because they are expensive to own at this point. He'll easily spend more than the cars worth on it. Also, it's way overpriced. It should be closer to 4-6k.

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BoomGoesTheFirework_@reddit

Your boyfriend sounds bad with money. Been there. What he needs is a bike. What he wants is this car. Good luck!

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TitleFightEnj0yer@reddit

Call him a pussy for buying a 4 cylinder

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d33p5pace9inches@reddit

Why ask what you should do? Theres nothing you can say or do to make someone do something. Only person you can control is yourself. If he wants to jump into the huge money pit, let him. Then cut all communication & find yourself a new bf. Life's to short to deal with unnecessary headaches.

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Sweaty_Illustrator14@reddit

You 100% need a new boyfriend. Dude will make even worse decisions in life. this is God giving you a sign to bail now.

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Ok_Ordinary6694@reddit

Good lord I hope he’s sterile. This isn’t genetics that need to be passed down

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Filamcouple@reddit

This just HAS to be a troll post.

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ExtendedHand@reddit

Some lessons need to be learned. It either improves or doesn't. Wishing you the best.

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Icy_Huckleberry_8049@reddit

can't fix stupid Get a new boyfriend

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_no_usernames_avail@reddit

If you can’t afford a brand new BMW from the dealership, you certainly can’t afford a used, clapped out BMW. This is by design. See the Facebook group “I see the poors are into BMW ownership, now” for more reference points.

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HoopLoop2@reddit

Anyone who needs a 72 month loan for a 9k car can't afford a BMW. This guy should be shopping for a couple thousand dollar honda civic or something with his price range.

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Reasonable_Tax_5351@reddit

Well hopefully you don't have any finances tied up with this guy so if he won't listen to you just let him learn his lesson

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CornerIndividual7943@reddit (OP)

Finances are separate luckily, he asked for a co-sign it was a hard no

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ashishvp@reddit

If he needs a cosign for a 9k car, HE. IS. TOO. POOR. FOR. A. BMW

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Greenman_on_LSD@reddit

Why would he need a cosigner for $9k? Honestly, with the vehicle history it should not be financed at all. It's not a good buy at all, but if he can't afford it in cash then it's a REALLY hard no.

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Necessary-Score-4270@reddit

I assume his credit is trash and OPs credit would help bring down the monthly payments.

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Greenman_on_LSD@reddit

I bought a rebuilt title vehicle a few years back, and while it probably wasn't my smartest purchase 1. It's a second vehicle and 2. I was in a financial position to buy the car outright. I expect to lose money, I don't need it to start in the morning. It has been a blast, but still not a great idea

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ExcellentRise85@reddit

The sex must be really good lol.

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EC_CO@reddit

Good thing because this relationship isn't going anywhere unless you want to be in future financial ruin, because at some point you need to decide if this is the future you want

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isthis_thing_on@reddit

Scrub

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tqlla3k@reddit

Never EVER EVER cosign for anyone. If the Credit card company doesn't trust your financial decisions, then I dont either.

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PurpleToedUnicorn@reddit

Seriously, this is a huge red relationship flag. Your man cannot manage money or make good financial decisions.

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Occams_RZR900@reddit

Dudes looking for an 8 year old BMW with bad history at a “buy here pay here” dealership for a $9k sticker and a 72mo loan. Dudes credit is shot! I’m guessing he has more red flags than a Chinese military parade!

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ashishvp@reddit

This shows serious dumbassery on part of your boyfriend. Id question a future with somebody that stupid

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Own_Fruit_8115@reddit

dump him. he ain’t very bright

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Boa-in-a-bowl@reddit

There's an old saying, if you can't afford a new BMW you can't afford a used one either. BMWs are pretty fragile new and don't hold up well, and this one is very high mileage by BMW standards. Furthermore, if it's been in multiple accidents it might have a salvage title, which means it was damaged to point of needing repairs more expensive than the value of the car then put back together anyway, probably by the cheapest mechanic money could buy. Multiple accidents would also imply to me it was owned by a reckless driver, who very likely beat the car to shit and skimped out on a BMW's expensive maintenance.

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Melodic_Hedgehog_857@reddit

They are not fragile wtf lol. Expensive parts sure, fragile? No.

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WSJayY@reddit

BMW hold up as well as any car or better if they are maintained. The problem is that they are expensive cars with expensive parts and all of the systems that make them a luxury car make them time consuming to work on. It’s not a Range Rover…

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Doomclaaw@reddit

As both a mechanic and someone who builds bmws for a living, I am sorry to break it to you but you're dating an idiot 🤣

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billjackson58@reddit

OMG dump him today!

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Laundry0615@reddit

Are you female? If so, find a male whose expertise he respects to explain a few things to him. He's not taking advice on cars from you. "What do you know?" is what he is thinking. Is this his first car to purchase and finance? Seems like a lot of rookie mistakes. Six-year financing for nine thousand dollars???? Eight-year-old car will have a high interest rate for financing. BMW maintenance? Really expensive. Has he driven the car to see how it actually handles after several accidents? Does everything work on the car (power related stuff like windows, AC and heater, entertainment system)? These questions are just rhetorical, don't bother to answer them here, but in your own soul.

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PomeloSpecialist356@reddit

Tell him it reminds you of your ex’s car, he won’t want it.

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PuzzleheadedWord7188@reddit

He just wants to say he owns a BMW cause he's a loser. Sorry but thats the truth

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Desperate_Exercise13@reddit

A $9k car with a 72 month loan? He needs to walk away from that or you do if you can see his future decision making.

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BinaryWanderer@reddit

Think of all the hot chicks he can pick up in a BMW though. Help your boyfriend achieve his dreams!

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WSJayY@reddit

Loan definitely has a longer life expectancy than this car.

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NationalSpring3771@reddit

that car wont last 72 months lol its going to break month 2 of him owning it

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MaleficentExtent1777@reddit

He's going to end up paying twice as much with the interest.

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BandiTToZ@reddit

Probably more with whatever bullshit the dealer adds on.

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_no_usernames_avail@reddit

Pay day loans and 27% credit card interest.

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lv2253@reddit

That means the dealer paid $4500 for it.

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angrytroll918@reddit

The only reasomable way to own a BMW is lease a new one, turn it in, and run away. Unless he is a BMW tech maintenance and parts will eat him alive. Date someone who doesn't have a room temp IQ and doesn't need a 72 month loan for 9 grand that will cost him 18 grand. You deserve better and he deserves that nightmare of a car.

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Trypt2k@reddit

Let him have it. It will make him happy and if bad it's ok, who cares, a learning experience in mechanics and wealth management.

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Effective-Addition-3@reddit

Lmao some people need to learn on their own, a bmw at 160k miles the car is 60k past its expected life

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RealBigDickBrannigan@reddit

I have been driving and repairing my BMW's since 1988. The most reliable one I own is a '93 E34 with (currently) 342K miles! I got it for basically scrap value with a bad 4L30E automatic made by GM France, rebuilt it myself, a few other expected repairs, and it just keeps chugging along. The least reliable is my '98 E38 (bought at 133K, now at 209K). She's a high-maintenance girlfriend, particularly for electrical issues, and I won't own another one. But she is also a joy to drive on long trips. I'm surprised no one mentioned the Achilles' heel of the M62 4.4 v8 engine... the timing chain guides. The M60 4.0 had an idler gear there, but the bean counters decided to replace it with a big plastic-lined guide which eventually fails. Mine blew at 190K. I did the job myself for about $700 in parts and it took me just about the 22 book hours because I'd never been inside that engine before. Yes, 22 hours at (say) $150 an hour for labor. You do the math. (Then the 5HP24 blew the A-drum at 195K, another known weak spot. I replaced it with a used 120K-mile trans from a short sport, along with the converter, which raises the stall speed by 300 rpm and gets that big ass 4300 lb car moving off the line better). Chris P. Koch once stated a "5% Rule": If you don't do your own work, expect to spend 5% of the ORIGINAL sticker price EVERY year. Some years may be better, but it will catch up with you eventually. My E38 sticker price was $73,500 (I paid $3,600 for it around 12 years ago and this rule is the reason). 5% of that is $3,675 average, every year. Bottom line is, OP, your BF is going to either see reason or he is going to be broke and unhappy pretty soon. Even with a complete service history I could never recommend that someone without skills and tools buy a potential money pit like that.

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UsallyInc0rrect@reddit

They are just people in this world, you cannot help.

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akcutter@reddit

My brain- that car is only about 5 years old whats the issue? *Reality kicks in* Holy shit 2018 was 8 fuckin years ago?!?!

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trogloherb@reddit

I have a friend who loves BMWs. He boasts that hes “had six of them!” The problem is, at 100k, they start turning into major money pits, so thats when he trades in for a newer one…

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BudFox_LA@reddit

Nothing wrong with that if you can afford it. I don’t see the issue, not everybody wants to drive a Camry for 20 years.

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nodnarb88@reddit

There's nothing wrong with trading in a car, but a luxury brand that cant outlast a budget car is wrong.

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BudFox_LA@reddit

The vast majority of luxury buyers either lease or trade their cars in before the hundred thousand mile mark. That’s just the name of the game. They can afford it and that’s the deal. Those buyers don’t care if a Honda Accord will last three times as long. They don’t want to drive a Honda Accord.

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WSJayY@reddit

They start turning into money pits if you haven’t maintained them well.

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Kind-Pop-7205@reddit

This has to be a troll post? He can't afford that car if he is considering a high interest 72 month loan. It's going to need a ton of money spent on repairs.

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ErichAZ@reddit

Maybe talk to him about other goals in life. Thing about used BMW cars is you can find a few for a good price but they have higher then normal repair costs.

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bmwlocoAirCooled@reddit

Find a boyfriend who has better sense.

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No_Condition7725@reddit

Are you sure it wasn't 72 bi weekly payments? On 9k at about 150 a payment that makes sense. If it is indeed 72 months that's insane. Never take a loan that can outlive the car.

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yuiop300@reddit

72months for 9k car? Insane.

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minidog8@reddit

Ummm… be happy he isn’t husband and you’re finances aren’t combined…

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PlanetExcellent@reddit

Tell him you’re leaving him for a guy with a Lexus

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death-blooms512@reddit

break up with the guy, he lacks of common sense and good judgement

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CandidateReady1362@reddit

Not the brightest bulb on the tree...

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RabbitGlass5578@reddit

Are you sure you want to continue a relationship with this mental midget? Bad with financial decisions, thinks that "name brand" luxury European vehicles make him look good??? Honey, you are the thing that makes him look good, you deserve better. You stick with him, I can see nothing but a continuation of bad financial decisions.

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jeharris56@reddit

Withhold sex.

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jim2527@reddit

Dump him now, it’s only a sign of things to come.

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Old_Confidence3290@reddit

I understand why he wants this car. If he had gotten an insurance quote, and talked to his credit union about a loan, and if he is able to perform most maintenance and repairs by himself, it might be worth considering. I would expect it to be prone to a variety of problems and expensive to insure. I would also expect it to be fun to drive. If he can't do maintenance and repairs, he should find something more likely to be reliable.

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railman04@reddit

Honestly BMW are great cars till they break, nothing is cheap to repair. If he really needs to get it. I'd recommend take it to a shop that specializes in BMW or a dealer. I used to be a shop owner and I've seen it too many times if the customer brought it to me first i would had advised him not to buy it

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tamaro2024@reddit

That mileage is a problem and financing 72 months on a used car ? No cash - no car!!! A sporty car doesn't make him a better man - just shows what his priorities are!

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Accomplished-Two4345@reddit

Will be a learning experience

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Terrible-Bet-8703@reddit

The dealer has good reviews. If previous damage looks to be repaired well. Very nice clean car for 9000 . This isn’t 1985 a car over 100000 miles isn’t used up. Nearly every car lot is on the side of the road and offers financing. A cheap used car is better than financing 30 k for something new. This isn’t some blaring red flag deal unless his credit is shot and they hit him with way higher than market interest rates. There is zero harm in going there to make the deal and see what they offer. If it’s horrible there’s no harm in walking away. That was like a 50k car a few years ago and a 9k loan is not that serious.

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stupiduselesstwat@reddit

Is his penis that small that he was to buy a shitty BMW? This is such a stupid idea.

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CosmicOptimist123@reddit

Ever time he brings that up. Say it’s still a no, Forrest

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thebigbrog@reddit

Wholly cow anything from a buy here pay here is a bad decision now couple that with a BMW out of warranty for sale on a buy here pay here lot and you have a recipe for total financial decimation. The car payment and repair cost will eat him alive.

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MacandMandy69@reddit

Show him all of these replies. Strength in numbers.

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thonda27@reddit

Because he is an idiot. Looks like he just wants the bmw look, but a bmw is not even all that. Trying to make him self look like he has money.

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WriterNeedsCoffee@reddit

And watch it break shortly after he gets it. You should probably tell him that's a possibility and then he'll have to drop more money for a new vehicle

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WarFit9567@reddit

Tell him to get his money up. Buddy cant afford to buy the used car outright and isn't worried about maintenance HAHAHA like what happens if something breaks are you gonna just let the car sit till u save up enough

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Helpful_Employer_730@reddit

it might help to show him some repair costs for similar cars, those maintenance bills can add up quickly and a different choice could save him money and hassle in the long run.

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SilentMasterpiece@reddit

look for a smart BF that isnt "a project" you need to fix. You will spend years trying to fix his one. Sticking with him may be much like him buying the BMW.

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Starzino@reddit

Your boyfriend is poor and wants to appear like he's rich. It's sad and pathetic.

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EuroCanadian2@reddit

xDrive adds complexity. The front driveshaft passes through the engine, I saw recent post about a $5k bill to repair this when it started leaking. He may have problems getting insurance because of the accident repairs on the car - depends on its title status. Insurance will probably be stupid expensive if he is under 25, and/or has any tickets or accidents on his record.

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Emergency-Height254@reddit

Don't, just let natural selectiom play it's role.

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Negative-Layer2744@reddit

well - if he buys - you can forget about going to those fancy restaurants - like McD’s or BK for a few years - you’ll be eating frozen pizza at home. Best to cut your losses and ditch the BF.

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9BALL22@reddit

Please tell us that you don't combine finances with this fool. The minute he can't pay his portion of the household expenses is the minute it's time to move on. And NEVER allow him to borrow YOUR car for anything, not to run to the store, not to get to work, not for anything.

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Busy_Baseball5525@reddit

Why does he want this car? He’s overpaying for a car that will impress few demographics across the board. The car is not particularly fast and a 430i is unlikely to have many valuable additional packages since a lot of them are base models. 72 month loan for 9k? Lol sounds like someone trying to stay broke. Tell your boyfriend if he wants to act like someone broke with no taste to go ahead with the purchase if that’s who he is

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AR558@reddit

Leave him

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eSJayPee@reddit

This has to be a trolling thread. Sweet ride with every negative box checked. Does he want to buy my BMW? It's still under warranty and I'll sell it for $100,000 with $75,000 down, I'll finance it for him. B

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Eagle_Fang135@reddit

A 6 year loan? Not even for a new car. He cannot afford the car. You have to drop him. One of the biggest causes for divorces is finances. He is showing the red flags of financial illiteracy. And an unwillingness to hear sage advice. As well he is making bad decisions for a “cool looking car”. Only people buying well used cars like that is to look cool. The reason it is “so cheap” is it requires a lot expensive d maintenance. Sure you can save labor costs diy but the parts are still very expensive. If he cannot afford the car new he cannot afford it used.

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Keepingthethrowaway@reddit

If you’re not financially tied to him, who cares? His problem as long as you’re not married.

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lapsteelguitar@reddit

For $100, yes. The car would be worth buying. It probably has an “off the lot” warranty. Once the car is off the lot, the warranty is over.

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HoraceGrand@reddit

Let him get it but don't give him rides when it breaks

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duhjankywanky@reddit

Lol there’s no convincing the stupid. Let him fail

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Assumeweknow@reddit

Avoid... at all costs.

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Occhrome@reddit

Brooooooo Huge mistake. Also those miles are crazy. I don’t even wanna buy a used Toyota with that mileage.

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prairie-man@reddit

Your love interest hit all the spots, and filled my bingo card. 1. prior crash/accident damage 2. used car lot 3. not approved for a loan 4. financing ANY car for 6 years. and the interest rate would be... what ? 5. no clue if he can afford insurance 6. apparently no intention to arrange a PPI, since he's not worried about mechanical condition. so... is this guy competent at anything ? is he a college student ?

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Ok-Syllabub-5273@reddit

Red flagggg

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brightlumens@reddit

Tell your BF he’ll jump off a bridge at 20k miles…….

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Commercial_Bee6793@reddit

You are dating a child.

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Rocannon22@reddit

OP, some people learn the hard way. Other things to consider: 1) Don’t loan him any money. 2) DO NOT co-sign any loan. 3) Do not ride with him if he doesn’t have insurance. 4) Do not drive the car. 5) Don’t be surprised if the car gets between you and your boyfriend.

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DaMilkMan420@reddit

Nice car buy it

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russiancarguy@reddit

This thread is usually full of people being too cheap to enjoy good cars, but there is absolutely not one thing good about what your boyfriend is proposing to do. Drugs would be healthier.

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Roboticpoultry@reddit

The flags are so red they’re speaking Russian

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Panthera_014@reddit

if he needs a 72 month loan for a $9k car - he cannot afford it this should be a 24month loan at most also - that car with that mileage means every upcoming repair will be $1500+ - whether there are 2-3 per year, I don't know - but if he can't afford the car in the first place - then he cannot afford repairs either

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Wishiwasinalaska@reddit

Some people have to learn the hard way, just may have to watch him get a shit car car and figure it out on his own.

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Historical_Sort1289@reddit

Maybe he hasn't experienced enough pain yet

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Ms_Anne-Thrope@reddit

Leave him. If he thinks this is a good decision imagine what other stupid sheit hes going to do in the future that WILL impact your quality of life.

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CharlieMBTA@reddit

There are two possibilities here: 1. He wants a new toy, and has 9k in disposable income to spend on it. If this were the case, it wouldn't be the worst thing in the world. But the fact that hes looking at a FIVE YEAR LOAN, on 9 grand, with shitty credit history, tells me not only is he broke but he is very fiscally irresponsible and financially illiterate. 2. He's not looking to buy a toy but instead as his daily driver. In this case, I cant think of many worse options right now than a bmw with 161k miles on it. Again, I can't get over the five year loan on 9 grand

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Pwrdbym@reddit

I’m a huge BMW fan and I don’t believe they deserve their reputation but the actual car has nothing to do with this question; it’s all about the financial decision. $9k, 72mth high interest, poor Carfax, and then needs a co-signer!? Holy shit, this guy is going to make one bad life decision after another. You need to start man shopping.

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-Im_Your_Daddy-@reddit

Pour old oil all over the driveway and tell him to get used to it 😭

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Primary_Fall5229@reddit

Tell him I’ll sell him a 2017 330i with half the miles for the same price

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SadRepresentative636@reddit

Wait until his car breaks down and ditch him at the same moment

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F_und_S@reddit

i don't know how you can convince him but this is a very very bad idea. i can't believe that ppl are willing to sink just because of the badge.

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eeldude_88@reddit

Tell him ALL the Car Guys say he is DUMB! I have and love my 24 yr old BMW, but would NEVER consider doing what he is doing.

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Mysterious-Guide8593@reddit

No advice, just pull the plug. The fact that he is even considering this shows he is irredeemably immature, if not outright stupid. It's just going to get worse. Cut your losses, consider this to have been a lucky early indicator of future decision making failures.

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elgato57@reddit

Let him find out the hard way, you aren’t his mom.

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Coyote_Tex@reddit

He is an idiot. If he is not just as crazy in love with you, then he has no redeeming qualities. That car will be trash in 6 months or less and the cost to fix it will be more than it is worth and he cannot afford it. I have a BMW X3 in my shop right now with 80k miles, really clean and a blown headgasket. Guess what that costs to fix???

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WSJayY@reddit

Is it a B58TU? Head gaskets really haven’t been an issue with that motor.

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Coyote_Tex@reddit

This is the N55 I think. My brother bought it at an auction,...and is using my shop to do some work on it. A pretty clean dealer serviced vehicle and it runs very well until it throws the code due to high temperature at the water pump inlet and goes into reduced power. Whatever engine it is, it is broken now and we know why it was an auction car.

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WSJayY@reddit

They’re all pieces of shit if they aren’t taken care of. At least he didn’t buy a Range Rover.

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Coyote_Tex@reddit

I can attest to that!!! Both are beautiful vehicles when they are running well but a disaster when they are not. The cost to repair either of those quickly surpasses the value of the vehicle.

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CornerIndividual7943@reddit (OP)

How much?

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Coyote_Tex@reddit

6k

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Own-Inflation8771@reddit

More than the car is worth.

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cloudguy-412@reddit

Who finances $9000 for 6 years?!?!?

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Bizzzle80@reddit

That car won’t last the loan term.

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Vegaskwn@reddit

The one thing people just don’t seem to understand is a a car that was $70,000 new still has $70,000 car problems even though it’s priced at only $9,000 10 years later. Can’t fix stupid… Anyways, A buy here pay here absolutely won’t do a 72mo loan. Maybe 36… They also will want a nice chunk of change down down. He’ll get it, drive it for a bit, it will break him financially, then the buy here/pay here will come grab their car and re-sell it to someone else to start the cycle all over again..

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WSJayY@reddit

Things have changed. They can find him 72 months for sure. That’s basically the standard loan length these days. It will be 20%, but they’ll get it. And they’ll also get the car back in 6 months when it’s repo’ed.

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Vegaskwn@reddit

A “buy here/pay here” is doing the financing themselves so they aren’t “finding him” anything though. Conventional financing 72mo is the standard but not on a cheap car at a buy here/pay here lot where the owner of the store is doing the financing himself/herself-pretty much all loans are gonna be at 29.9 (or whatever the state max is) and shorter terms than conventional auto loans through a finance company..

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WSJayY@reddit

Not universally true. Those places can outsource the financing as well. I just helped a PE firm buy and 2.5 years later sell for a 4x cash in cash return, a business that did these financings and their biggest growth was “independent pre-owned” dealerships. The financialization of everything continues to creep and it very much helps the wealthy / knowledgeable and cripples the poor and stupid.

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Weak_Armadillo6575@reddit

A 72 month loan on any 8 year old car is diabolical. Tell him if he wants a cool 2018 bmw to save up and pay for it in cash.

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Gunk_Olgidar@reddit

You delete his access to your finances, if he doesn't get the clue, then dump him. Because he's going to go broke with that car. BMW = Break My Wallet

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Bigredtruckguy@reddit

Tell him to hold out for the 440i grandcoupe atleast then it’s the B58 motor haha.

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mrblizzard2000@reddit

The 30i would have the b48 if im correct. Equally reliable. Same engine with just 2 less cylinders. Regaredless this is a terrible financial decision for the specifc situation

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Bigredtruckguy@reddit

Yeah I was just goofing around but I totally agree with you that a bad decision on his part. One thing I’ve learned though is young people really don’t listen to advice. Gotta let them make their own mistakes.

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CemreT@reddit

Dumb him, he is a moron.

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Wind_Mediocre@reddit

The 72 month loan on a $9,000 car is a massive red flag, he clearly cannot afford the car. As well as not accounting for maintenance. It's a BMW and will break and be expensive to repair. Being a buy here-pay here lot, the interest rate is probably stupid high. If you cannot argue the financial issues with him, you need to consider your future, because he will always be broke

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Amoyamoyamoya@reddit

“Not worried about maintenance” means he won’t do any (not that he could afford it). 8 year old, high mileage BMW **NEEDS** to be well maintained to stay running Pretty certain this car will be non-operational within a year and the BF will be looking for a way to get out of the loan

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GoldenxGriffin@reddit

If he wants a bmw so bad tell him to get a 4k n52 and learn

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idownvoteanimalpics@reddit

Ugh, leave. This shit only gets worse, ask me how I know

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Slow-Big2830@reddit

It would be much cheaper and easier in the long run to buy another boyfriend

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TNchairmaker@reddit

Stupid

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LSBm5@reddit

Your boyfriend is giving you a gift. He’s telling you he’s a fucking idiot and that you should leave instead of getting involved deeper and living a life guided by financially ruinous decisions.

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mrblizzard2000@reddit

Couldnt care less about the car. He wants a 72 month loan for a 9k car? Thats much more concerning regardless of what vehicle it is

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Physical_Childhood88@reddit

That car is your blessing in disguise, it is YOUR SIGN. If you can see 20/20 the car is a money pit and his decision making skills is all about: " I want!". RUN.......take time to heal within, thank God Almighty He spared you from a bad decision.....and you'll have a baseline on what to look for in a man. This one is NOT it.....like sour milk, it will NOT get better. Because no matter how much he begs to do better next time he won't, because he can't. I've got 53 years of experience....humans cannot keep a promise because of our internal nature....... I'm just another data point of many others telling ya...RUN.....go not have any children with him..... Even Ray Charles can see it's a bad deal....

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miles1187@reddit

Find a new boyfriend

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susejesus@reddit

He wants to ruin his credit and life over a 4 series and it’s not even an m? Wild

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Superlooie@reddit

He’ll be upside down instantly🤣.

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InitialJuggernaut77@reddit

the panel gaps alone on the hood and doors of that car should be ringing alarm bells from about 500ft away. This car has been used, abused, crashed and badly repaired. A clean BMW that's 8 years old will eat him alive on maintenance so I dread to think what a multiply wrecked and abused one will do.

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zach1396@reddit

The 3 and 4 F series cars all have bumper to hood panel gaps. But considering it has accidents I’d be concerned with damage not visible

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WSJayY@reddit

Yeah, but the gaps in these pictures look more like shoddy body work.

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zach1396@reddit

Could be. I can’t really tell but does it look like the driver seat has a rip in the frontside of the backrest near the headrest?

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Netghod@reddit

We sold our 2016 Mini Cooper 2dr with only 80k miles on it last year because we knew that the maintenance costs were going to be high. Maybe not today, maybe not tomorrow, but soon. We had an extended warranty which we used extensively. The sunroof repair along was over $2000. We had 2 oil leaks which was another $1500 or so. If he’s not turning the wrenches and doing the maintenance on the car himself, the cost of the car is nothing when compared to the maintenance he’s going to be paying. Especially on a car with multiple accidents and that many miles.

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lostone3592@reddit

Cars like that I guarantee haven’t had normal service’s. When bf takes it anywhere for the soon to be appearing dash lights, he’s gonna get a brutal wake-up call. USED High spec German cars are some of the most expensive cars you can buy. However. Someone THIS stupid isn’t going to magically get smarter. Best move is find a new BF.

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Bigfootsdiaper@reddit

Maybe you should get a smarter boyfriend.

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Canadian47@reddit

I sold my BMW after the year it cost me more in maintenance than my helicopter. Really! After a certain age it just required "feeding" every year. I would think, OK this year I spent a bunch and next year will be OK. The next year something else would come up. I replaced it with a Lexus. If I ever got another BMW I would be planning to get rid of it shortly after the warranty ends and this vehicle is well beyond that.

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TobyChan@reddit

Why on earth would anyone borrow money to buy a BMW with 161k miles on the clock….. the only reason this could be considered reasonable was if the car already had its cam chain done, trans flushed, suspension bushes replaced, shocks replaced etc etc and even then it’s a ticking time bomb of BMW roulette, what’s gonna give next. If you can afford to buy the car you sure as hell can’t afford to maintain it.

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polarityofmarriage@reddit

I had a 2022 BMW M340i and my insurance was $500 a month so there’s that….

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BillyJohnsFinds@reddit

Damn I have an M2 and I’m 24 and insurance is 2k a year.

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WSJayY@reddit

Where you live plays a huge factor in insurance.

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BillyJohnsFinds@reddit

I’m in NJ, prob not the most expensive state but also not like Kansas.

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WSJayY@reddit

NJ is very much one of the more expensive states, especially up state NJ.

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BillyJohnsFinds@reddit

Makes me wonder what that persons driving record was like having to pay 6k for a less sporty car with more doors.

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MaleficentExtent1777@reddit

Mine died twice on my 2018 530e. Fortunately it was covered under warranty. They had to ship the part to the SC factory, and then to the dealership.

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pwnageface@reddit

Sweet! Your boyfriend makes $150k/year right? No? Then no, don't get this.

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toybuilder@reddit

FWIW, I had my '99 Mercedes E320 station wagon until mid 2025. It had multiple accidents. Rear ended by someone that didn't want to pay parking and rushed the gate before it closed behind me, my wife not seeing cross-traffic and getting T-boned. The rear liftgate started giving me a little bit of trouble about 15 years after the rear-end damage repair - the latch sometimes would stick. Other than that, the vehicle was mostly fine. CV boot and one of the front axles needed to be replaced. Somewhere around 100,000 miles. O2 sensors needed to be replace somewhere around 150,000 miles. The transmission had occasional glitches since I first got it. Despite multiple warranty repairs, the glitches never fully went away. It eventually stopped working altogether and needed repair around 220,000 miles - repair shop wanted $4,000. After researching the problem, I DIY'ed the repair for about $1,000 (about half of it was the actual parts/consumables - the other half were for tools that are still useful afterwards). At \~250,000 miles, the radiator went and needed to be replaced. By that time, the suspension was largely shot, so the ride quality was no longer great. I had already decided I was ready for a new car, so I didn't spend the $1,000 or so to have it fixed. Vacuum door lock module failed. It took me nearly a year before I realized that the reason why my alarm was going off was because the lock was not always working correctly and the aforementioned liftgate would sometimes register as being opened. During heavy rain, some water got into the vehicle and damaged the CD changer. Various cosmetic issues started showing up. Paint/clearcoat was starting to fail. Small amount of rust in a few places. Brakes are more expensive because it's a heavier higher-performance vehicle. Required premium gas and synthetic oil. Depending on car's accident and repair, and whether he is willing to do most of the maintenance himself, and is willing to pay for increased consumables, it might (or not) make sense for him from a pure practical standpoint. If it's his "dream car" and he can afford it (in time and/or money), then that's a harder decision. There are worse ways to waste money. If he's wrenching in the garage, he's at least staying home?

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RIPGoblins2929@reddit

When did he get out of boot camp?

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WSJayY@reddit

The realest comment on here 🤣

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Brainfewd@reddit

Nothing like paying 35k for a 9k car that’ll be worth $1300 by the time it’s paid off.

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Mute85@reddit

Its a good looking ride. That transmission will be out within 20k miles. Whats that? 6k?

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WSJayY@reddit

Good looking panel gaps from a janky ass repair?

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BudFox_LA@reddit

Try $15k

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singelingtracks@reddit

hes probably really dumb but looks cute, so decide if the looks are worth dealing with the stupidity.

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WSJayY@reddit

He’ll age out of the looks before he recovers from this poor financial decision.

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newtonreddits@reddit

The car isn't that bad since it has the reliable B48 engine. The financial decision is. That car should be purchased cash.

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WSJayY@reddit

For $4,000 max

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DucatiCam18@reddit

He'll learn the hard way. Sit back and enjoy the "I told you so"s. Tell him it's completely his and his alone. Don't help him with any of it so you can throw it back at him that it wasn't smart. Maybe he'll learn something

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WSJayY@reddit

Until all his cash is gone and they still need to pay rent. Hard to not be part of it then. So hopefully she doesn’t live with this loser.

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Bulky-Travel-2500@reddit

Let him make the mistake & he will be broke/repoed within 2years from the payments + repairs & insurance. Sometimes lessons must be learned the hard way.

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WSJayY@reddit

Reminds me of the wise old quote “the dildo of consequence rarely comes lubed”

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Miliean@reddit

I mean, you can't convince a stupid person not to be stupid. But also, every car guy kind of needs to learn this lesson. We all have that "I should buy a depreciated luxury vehicle" bug in us. It's only after the fact that we discover our new $9,000 BMW needs breaks and a water pump and for some ungodly reason that costs $3,000. As far as "good" news. That BMW has one of the more reliable engines of it's day. So that's a positive thing. The problem will be everything wrapped around the engine that's going to break. But there's certainty worse BMWs he could have chosen.

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Maddad_666@reddit

yea…don’t finance that. Cash only. $6k feels about right.

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WSJayY@reddit

This is the right answer but something tells me that dealer knows their clientele. Probably got it for $6k at auction and selling to to dumbasses who just want to plant their ass in a BMW badge with no thought.

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sum_dude44@reddit

just dump him now

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theinternetisnice@reddit

I at least hope this dude is in his early 20s so he can grow out of this. I remember making so many horrible car decisions and let me tell you, this is going to eat him alive. You know this.

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Jack_Bogul@reddit

he is 45

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WSJayY@reddit

You can’t be serious. Where does she say that?

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theinternetisnice@reddit

Welp.

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vicente8a@reddit

Sometimes $9000 isn’t a lot for a very valuable lesson in decision making.

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WSJayY@reddit

Seems like the kind of guy who will find a reason to believe it’s someone else’s fault this turned out poorly.

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EspressoCologne68@reddit

He wants a 72 month loan for a 9k car? He can’t afford the car and he can’t afford the maintenance that comes with it.

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NeitherDrama5365@reddit

Jesus your BF is dumb. I’m sorry. He’s so wrapped up in getting a BMW he can’t see he’s getting robbed. Those cars are notoriously unreliable when new btw. All BMW are over the last decade. Constantly at dealer. Tell him to run and get something else. 72 months?

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WSJayY@reddit

Ask him precisely why he wants *this* car? Is it just to get his ass in a BMW badge? My guess is this the real answer. Because that’s a terrible answer and is clearly indicative of someone with terrible impulse control and a need to feed ego (both terrible qualities for romantic faithfulness as well). From an automobile perspective there are absolutely no redeeming qualities for this car. It’s a 4 cylinder so won’t even be that fun or exciting to drive, it has over 160k miles and has been in an accident so it won’t be reliable. Plus the red interior looks just awful. I’m not against having fun powerful cars. I have a BMW and a Porsche. But I was over 40 and was able to buy both in cash. With a loan and repairs you’re talking about at least $30k being sunk into this thing. And then he’ll still need a different car in 3 years. Most common marriage issues are over money. This guy is a problem. End it now. He’s trouble and you’re wasting your time. This relationship has as much chance of being a success as that car has of making it 40k more miles. If he needs a car - this seems more reasonable. At least it has a shot at outlasting the loan period and is easier / cheaper to maintain. [http://atcm.co/S2PVDP/2DD9C48D](http://atcm.co/S2PVDP/2DD9C48D)

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Outside-Athlete2849@reddit

A 72 month loan for a $9000 car????? What is wrong with this guy

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Ok-Idea4830@reddit

9 grand over thay period of time?!! Dump him because he is a financial nightmare and he will drag you down with him. Do not! Give him any money because you will never see it again. Disregard his attempts to gilt you and throw I love you you don't love me in there too. He will sink.

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pwdahmer@reddit

It’s cheaper to find a different boyfriend

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Thirsty_Comment88@reddit

OP you're the bigger idiot for being with this guy

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OkCriticism5746@reddit

That dude must think he is going to get more ass than a toilet seat once he is in that BMW, her threats of the poonanny embargo won’t stop him. She should go find someone whose credit score is higher than their IQ because it’s not that guy.

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Due-Designer4078@reddit

Maintenance costs on these cars are huge. If he can't afford it new, he can't afford it used.

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Ok_Supermarket_267@reddit

Time to get a new boyfriend. His head is up his ass

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NationalSpring3771@reddit

55 ensurance claims lol! to be fair it could be the previous owner replacing the windshield once a year plus some fenders cuz the car is low... but still that thing its a weekend car on the best of times and a garage project on the worst. it will never be a daly driver

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chillaxtion@reddit

You do not want to be with someone that irresponsible and status driven. Don’t even bother trying to convince him because the underlying problem is too big. Leave now.

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Huge-Purpose-3336@reddit

That car has more red flags then going back to your ex

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EddieKroman@reddit

If you want a boyfriend, then this is the kind of car he’s going to get. If you want a husband or life partner, see how he responds to a Camry or Accord. A used BMW is more expensive than a new BMW, unless he can fix the majority of the issues himself. We’re not talking about basic maintenance like oil changes and tire rotations. We’re talking about transmission repairs, opening dashboards for climate system repairs, etc. Background: former European car junkie.

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gdubh@reddit

I bet it even has a salvage title.

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CornerIndividual7943@reddit (OP)

Hopefully these comments will change his mind, thank you all. I knew I wasn’t crazy lol

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DrNASApants@reddit

Keep us updated! Good luck :)

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zach1396@reddit

72 month loan on a 9k car is absolutely insane. With that being said the b48 is a pretty reliable engine, you won’t have transmission problems and you probably won’t have awd issues either. I personally don’t care about mileage as long as it’s be maintained, only things that concern me are the accidents and that wild loan length. He might as well save 9k and buy it cash or get a cpo from bmw. Getting pre approved will tell you exactly what he can afford with his credit and debt to income ratio. When I bought my last car I was pre approved for a loan amount up to 50k, I bought a car for 12k and just refinanced it to get a better apr. I’m assuming his apr is also going to be high with 72mo on basically a cash car.

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blmbmj@reddit

But, what about the MULTIPLE accidents, and the obviously bad body repair jobs?

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zach1396@reddit

I mentioned that, also the 3 and 4 F series cars always have the gap between the bumper and hood. I didn’t really notice anything else on it. Me personally the loan length is a no for me. My Volvo was in a fender bender before I bought it but besides a little odd fitting bumper, nothing else was damaged. Depending on how bad the damage was that would also be a no.

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rac1283@reddit

It’s obviously not been well maintained. Crash damaged auction cars don’t fit the profile

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zach1396@reddit

That too

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Users_Name00@reddit

Tell him that you don't want to be in the car while he gets gapped by tuned Kia K5 GT

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psl1959@reddit

Ask him if he seriously thinks a car with 161k on it will still be running in 72 months? Let him go ahead down the path of financial ruin with this automobile. Find yourself a new boyfriend, one that at least has some common sense.

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antei_ku@reddit

You’re the one that needs help, jump ship lol

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Tronkfool@reddit

Tell him that that car gives off small dick energy

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havnar-@reddit

If you need a loan for a 9k project car, you can’t afford it, let alone all the maintenance and costs

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FancyFrenchLady@reddit

No

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Blacksparki@reddit

Non-mechanics buy older BMW's for one reason and one reason only: because they see it as a status symbol. While they often endcup spending like mad on keeping it clean and shiny, they usually ignore maintenance needs until the car completely craps the bed. Usually ditching it for another when they see the mechanic estimate is triple market value. Rinse and repeat. Each time sliding down down down into debt just to maintain that image. Mechanically-inclined folks buy older BMW's for the reasons others have cited. In the USA at least, you pay a premium for parts, new and used alike, over comparable items for domestic and Asian makes. Even a junkyard will charge more for a random trim piece if they see a BMW or MBZ symbol on it.

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BHG_702@reddit

Tell him he’s broke and ain’t fooling anyone with a 430i with them slow POS 4 cylinder turbo engines. If he wants to be a man he needs a 440 or M series. Do it right or get a Corolla BUDDY. Tell him just like that.

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Geezerglide1@reddit

Get a new boyfriend! This does not bode well long term. He'll keep making bad money deals.

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UsualInternal2030@reddit

I’d just find a boyfriend that isn’t going to be broke their entire adult life.

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abstractraj@reddit

Just let him YOLO. You’ll have the absolute best “I told you so!” Eventually

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Launch_Zealot@reddit

The comments are super harsh but not wrong. OP, your boyfriend’s judgment isn’t in question. The question really is your judgment for not running away and not looking back, ever.

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Proctor20@reddit

You can't, but you can get a better boyfriend.

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BRING_ME_THE_ENTROPY@reddit

Delete his TikTok

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Suspicious-Load7389@reddit

You can't make him make a smart decision. The mileage alone makes it an absolute money pit. He better have disposable income

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rac1283@reddit

No, no, no, no, NO! Just no to everything about this deal.

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kingcrabsuited@reddit

The truth is, that car got traded in because a rich dude couldn't keep up with the mounting repair costs. So unless your bf is a crack mechanic/comp sci wiz with proprietary tools from BMW, it probably will become overwhelming for him as well.

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politicalslug@reddit

This guy sounds like a complete idiot, but not quite as stupid as you are for staying with him.

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AlbanyHung@reddit

Tell him only bitchmade people buy a BMW without their inline 6 engine. That’s like buying a Porsche cayenne instead of a 911.

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kraize00@reddit

Then he’s going to get a 96 month loan on an m340i.. or worse, he’ll spend the same 9k on an n54 😬

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Jack_Bogul@reddit

he needs a cosigner for a 9k loan lmao aint ever getting close to an m340i

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foolproofphilosophy@reddit

Fact! I own/have owned N55, M54B30, and B58.

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zach1396@reddit

Lmao I approve this message

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PinkGreen666@reddit

Just show him this post lmao

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Thomas_Jefferman@reddit

Hey now, I bought a cheap merc and love it. 20 years old, drives like new. All you have to do is budget 10k per year for maintenance. He is doing that, right?

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BandiTToZ@reddit

He wants to get a 72 month loan on a $9k car. I dont think he's budgeted gas, let alone maintenence.

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stabbingrabbit@reddit

This guy will likely be a 25% loan and will have to put more money in maintenance and repairs than he can afford. He will park it when he cant afford to fix it and then if he cant drive it he won't pay for it and will get repossessed. If this makes financial sense to him, you will never be financially safe or comfortable with him. You will always be in bad debt. If he cant see it, dump him.

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Accomplished_Home100@reddit

Bmw are not cheap cars to maintain

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WildMartin429@reddit

Why on Earth would you buy any car with 161,000 Mi that has been in multiple accidents? Especially if it cost $9,000! Maybe if it was $90. Even then it would probably be too much work and have to dump too much money into it.

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roamingroad174@reddit

Break up with him.

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OkMany4159@reddit

He wants to look baller on a budget. Even if he wont admit it. His emotions are guiding his decisions right now. If not this one, then another one. He won’t learn his lesson until/if he gets burned by exponential repair cost + loan that he can’t pay off because it’s more than the cars worth but car won’t run until he gets repairs. Dangerous path of debt for many. Can take 5-15 years to “fix” the mistake he’s about to make if he has little cash. If he does eventually have the cash, he may not be stuck in a debt cycle BUT this could easily turn into a 15-20k mistake.

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losingeverything2020@reddit

Tell him don’t date financially irresponsible men. This is a financially irresponsible decision at best. It doesn’t bode well for your future life.

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ur_moms_chode@reddit

Tfw your bf gets a 24% loan on a clapped BMW with a sixth of a million miles

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jccaclimber@reddit

The only way that car makes sense is if you have enough money in the toy fund to pay with cash. You don’t take a loan on an aging depreciating asset you can’t actually afford. Let me guess, he also doesn’t know how to properly do his own maintenance?

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Grouchy-Attention-52@reddit

72 month loan aka can't even actually afford this car, let alone it's a damn BMW, not exactly cheap to maintain

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PraiseThePumpkins@reddit

people just say BMWs or german cars are unreliable or a bad idea without any explanation. these can actually be good cars under the right conditions. anyway here’s exactly why you want to avoid this particular shitbox. 1. pcv valve. bmw service procedure require replacing the entire valve cover gasket, this is super common and can happen again even if it gets repaired. my car had this happen to the previous owner. $$$ 2. control arms. bushings crack and leak grease, at this mileage it’s probably been replaced once and will have to be replaced again soon. i was quoted $1500 for two by my local bmw dealership. $$$ 3. timing chain. at this mileage, if there hasn’t been an oil change every 5-6k miles like clockwork the timing chain is at risk. timing changes on b- series engines are on the back. replacing chain/guides requires removing the whole damn engine. $$$$ 4. coolant. bmw is known for plastic cooling components that always start leaking. this car has not one but two independent cooling circuits that could and often do leak. worst of all, the most common leak is at the oil filter housing on the back of the engine. requires disassembling half the engine bay, draining all coolant, and is a huge pain in the ass. $$$$ 5. transmission. most people do not know that you have to change the transmission fluid around 60k miles. if it’s on its original fluid, you run risk of damage to your transmission which is $$$$. 6. subjectively, this is a shit spec. 430i gran coupe base model is a 330i but trying too hard. it just looks worse. also 4cyl bmw with AWD is just kind of embarassing. it’s not the fastest off the line, it’s too heavy to be fun around corners, and because xdrive is rear biased it’s not even good in snow or mud if that’s what he’s lookin for. this car is trying to be efficient, capable, quick, and practical all at the same time and so it succeeds at literally none of them. 7. !!!YOU DO NOT WANT A CAR WITH MULTIPLE ACCIDENTS!!! that is just asking for headaches. even if the body looks fine, you could have any number of damaged electrical, cooling, or suspension components. electrical in particular will destroy your wallet just trying to find the issue. i haven’t even gotten into the financial stupidity of a 72 month loan on a $9k car, which is already frankly $5k overpriced. source: i drive a 2016 340i, RWD, this car’s older more handsome brother. i bought it at 80k miles, specifically because it had a perfect maintenance history, no modifications, nearly fully optioned, previously owned by an executive at a bank. Car is in amazing condition and i plan to keep it that way. in no goddamn world would i buy a 160k mile, multiple owner, multiple accident, terribly spec’d awd 4cyl bmw ESPECIALLY not for $9k.

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mother_fkn_crackk@reddit

72 month for 9k and he wants a Beamer with almost 200k miles. What a fool. Hope he knows how to work on German cars.

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Severe-Present2849@reddit

If he needs a loan for this purchase, no way he can afford to fix it.

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Senior-Cantaloupe-69@reddit

He’s beyond hope if he does this. Don’t move in with him, marry him, or especially have a kid with him. He is financially stupid.

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Tractorguy69@reddit

8 years old and multiple accidents, in a car from a brand that is notorious for becoming problematic if maintenance is neglected. I own and love my BMW, love the brand and cars in general, even I wouldn’t touch this. Upper end of any series performance wise that’s been thrashed like this is going to be nothing but problematic.

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MoonVibe_@reddit

If he can't buy a 9000k bmw outright, he should be worried about maintenance. Bmws are different and are expensive to maintain. And a 72 month loan for it just tells me he can't really afford it

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benicebuddy@reddit

You’re the one still sleeping with him. That’s like buying a 160k mile bmw, but worse. The car can’t give you herpes and put a car inside you that’s just as stupid.

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Maleficent-Guess8632@reddit

Nice whip

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Temporary-Diver3481@reddit

He's going to finance $9000 for 72 months? He's going to pay $30k for that piece of junk and it's going to die with 5 years of payments left. If he can't save $9000 he should take the bus.

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Live-Crow-6353@reddit

Give him a blowjob and when he blows his load tell him the same thing will happen to his engine if he buys a bmw.

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Nitfoldcommunity@reddit

If he has to finance a measly 9k then he sure as hell can't afford the maintenance or inevitable repairs on a BMW. 6yr loan on 9k!?!?!?!!!

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Casalf@reddit

Damn lmao wtf.

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Innocent-Prick@reddit

I have a friend who is single

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ItsMuhUsername@reddit

if you stay with this dimwit you deserve him

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present_absence@reddit

nine thousand dollars for a 430 with 160 THOUSAND MILES and he asked you to cosign holy

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ConfusionOk94@reddit

No way I'd buy that

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Timsmomshardsalami@reddit

Idiot

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ThatOneSnakeGuy@reddit

Holy hell. Show him repair receipts on a previously owned bmw lol

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austic@reddit

He has to finance 9k. What is he going to do when he gets his first 3k+ bill. Nothing more expensive than an old German car out of warranty.

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Nedstarkclash@reddit

Break up with him.

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TexCOman@reddit

You can’t, cus you have no say. You’re just a girlfriend.

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notyellin@reddit

9k , high interest , 6year loan on a clapped out base model , my OEM carbon fiber rear spoiler was more than that , I didn’t finance that lol . Move on , this guy is always gonna be like this .

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Senis_@reddit

72months for a 9k car is diabolical.

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RandoMcrandersome@reddit

LET HIM COOK ☠️

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rcollick90@reddit

Did you tell him that anyone who knows cars will assume he's poor?

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BudFox_LA@reddit

The most expensive BMW to own is the one that is cheap to buy

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Plenty_Surprise2593@reddit

Slap him 2x and say “are you stupid?” Seriously though, one young guy I know of thinks that when you trade in a car the money you owe on them disappears…like WHAT???

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CuriousServe@reddit

Let him learn a lesson 🤷🏻‍♂️

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FullTimeSurvivor@reddit

Lol worst idea ever, and they will end up taking it in the middle of the night when he misses a payment

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FrostyMission@reddit

It would be easier to find a new boyfriend

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OldGeekWeirdo@reddit

Nothing more expensive than a cheap European car. If he buys it, he better know how to work on cars and have the tools.

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ScaryfatkidGT@reddit

I mean a 2018 430i that’s been in an accident isn’t an issue. The buying from a buy here pay here place on a 72 month loan for 9 grand is the issue…

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YinYang_Cruiser2day@reddit

As a former Autozoner I can tell a lot of people get those euro cars cheap because they have problems and are very expensive to repair if, they are fully repaired. They are almost like a recreational boat..... a hole in the water. Have the wallet ready.

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cheapestrick@reddit

Let me guess - wants you to cosign for the loan too?

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kraize00@reddit

This seems like a big impulse control issue. Things would be different if he had the money to buy it outright and a few grand left over for emergency maintenance

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Digger977@reddit

I’m a BMW guy and I know that’s a terrible terrible mistake and would really make me question any other dumbass decisions that guy could make…

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TopherMctopherson@reddit

He can buy a 1st Gen Tacoma for half that price and double the mileage and it'll still be on the road longer than that pos

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No-Psychology-7034@reddit

Let him buy let him cry

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Bicyclebillpdx_@reddit

The best lessons in life are those learned the hard way…

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Boring-Cattle3402@reddit

Uh, as someone who got a BMW on a trade, this is a horrible idea. Just figure out what year and model it is, start googling prices for different parts for that specific model, and start spamming him with pictures of what the future holds. I would never willingly go buy a BMW, I should have never traded for one.

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TheGreatTiger@reddit

I'm not paying $24 for the accident report, but it apparently has 55 incidents listed. Is the title on this car a solid chain from the original new car sale or did this thing get totalled out and re-titled as salvage? If any of those accidents were water damage, it should be an instant "no" and you run away from that car. Someone else mentioned panel gaps, and that hood has certainly been bent sideways at some point, just looking at the thumbnail of the pictures. Choosing to be tied to this monstrosity by financing for 6 years is a mistake of epic proportions. The only way that 6 year financing could make sense on this thing, is if he has $18,000 in cash and they offer him a 0.0% interest rate. At least he could get a 4+% return from the stock market while paying off the principle and repair costs. Whatever he does, he needs to not focus on monthly payment. He needs to understand the out the door pricing. Principle + interest. He sees $9000, but a 10% interest rate compounded monthly for 72 months will cost him $16,358.35. These small used lots that find financing for anyone regardless of credit will be more like 25%, which would cost him $39,718.35 over the life of the loan.

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hublar@reddit

That car is about 100k miles past average BMW lifespan. How do you even get a 72 month loan for $9000? He'll be lucky to get 6 weeks or 6 miles out of it. Much less 6 years.

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corona_kid@reddit

If he wants a 9k bmw, buy an old e28 or e30 you can afford to fix and drive hard… gremlins will eat your ass alive on new shit, you can’t afford to take to the dealership to get fixed. BMW makes their money on dipshit douches who fall for these scams. If he wants a bimmer, get a good one. Buy once cry once.

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youdidittoyouagain@reddit

Damn, this is girl math than a mo’fo’ but it’s a dude doing it!

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JeerzQD@reddit

Nothing more expensive than a cheap bmw/mercedes.

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DookieMcDookface@reddit

A fool and his money… Sorry ma’am you’re dating a fool

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Ok_Rip_2119@reddit

Let him do it. If he needs money, don’t give it to him.

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brianleedy@reddit

Woooof. Obviously this is a horrendous decision, but Im not sure what a bunch of internet strangers could say to convince him of that if you can't. When they tell him what the payment is, *maybe* you can reality check him by quickly doing the math on the total of the payments. Maybe paying $xx,xxx for that car will be less appealing. Otherwise, without turning this into a relationship advice thread... take notes on how he handles this and how it might affect your own finances now or in the future.

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Own-Inflation8771@reddit

Best advice.

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edgefull@reddit

yeah this ends up being about your choices, not his.

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JolyonWagg99@reddit

Holy crap, was he dropped on his head as a child? This would be a stupid, horrendous decision. This car is a piece of junk, and financed through some janky-ass poorly rated dealership for 72 months? It’s nothing but red flags! If he can’t be convinced, run away.

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Canelosaurio@reddit

Get him an insurance quote and show him that the payment will be higher than the car payment if a halfway decent insurface company will even have it.

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Potential-Dog1551@reddit

Let him learn the hard way, otherwise it’ll just be him resenting you for trying to control his impulse buy.

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CelestialBeing138@reddit

Few things are as expensive as a cheap BMW.

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bripptybripptybraap@reddit

Is your boyfriend a certified BMW mechanic? Like a for his job? Is his career fixing BMWs for money at a dealership? If not, he simply can’t afford this car.

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mastro80@reddit

Just leave and find someone who isn’t a moron.

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brohebus@reddit

There's no way on earth that somebody who needs to finance a $9000 vehicle over 72 months should be purchasing an 8 year old BMW with 161K. If he had cash on the barrel and at least the same again in the bank specifically for expected and surprise maintenance it would still be an impulsive, foolish purchase, but not one that will financially ruin him. Financing is suicide.

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Occams_RZR900@reddit

If he can’t afford a new BMW, then he can’t afford a used one! The maintenance and repair bills will bankrupt him.

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throwaway007676@reddit

Good time to dump the loser. It takes a lot more than gas to make a car go. Especially a basically completely worn out horrific German car.

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NuclearHateLizard@reddit

Leave him, he's an idiot.

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Nervous_Hurry_9920@reddit

My only takeaway here was that I can get a 2018 430 for 9k. Been maintaining bad decisions for a long time now.

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Zealousideal_Rent261@reddit

Don't co-sign, if that becomes an issue ..walk away.

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Good-Operation4373@reddit

Bmws are notorious for high maintenance costs. Buy a mustang GT, or anything else! Unless he’s a great mechanic with cash to spend, there are plenty of better options out there- u just have to look

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SnooCakes8914@reddit

There is nothing more expensive than a cheap German car.

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tw4200@reddit

Bad bad bad bad bad bad. I would never take that deal.

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TX-Pete@reddit

Have him quote the insurance he’ll need with a financed vehicle. That’ll put a damper on it.

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Renaissance-man-7979@reddit

He needs tools for birthday and Christmas

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CapitanianExtinction@reddit

Find another bf

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PollutionOld9327@reddit

Good luck with whatever you decide

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Odd-Concept-6505@reddit

Ditch your BF unless he can show you about 10k more reserved for repairs over N years. A very over engineered brand with no love for diy mechanic owners..... and high mileage on this one! Should be easy to talk him out of THIS car but for not taking your advice on the next, deserves a goodbye kiss.

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