this post was submitted on 22 Apr 2025
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Cyberstuck
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A place to post your Cybertruck fails! We're here to make fun of this hunk of shit and throw as much shade as we can to that garbage bag of a human elon.
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I'm probably being prejudiced here, but I'm a little irked that someone who won't put a coherent sentence together is complaining about the persecution of their $100k Nazi vehicle.
At least in the US people routinely get predatory loans for cars with super long terms to make the monthly payment lower. A base model cybertruck is "only" like $70k so at 7.3% APR and a 7 year loan you can get that down to $900 a month, which is still a lot of money but some people make bad financial decisions of this level all the time, and I would imagine the people who would buy a cubertruck are more likely to be in this group than not.
The US car market sounds absolutely wild, I have zero interest in owning any modern car long term due to how expensive it would be to fix once its out of warranty and after 7 years its going to be worth fuck all so I would have ate the entire purchase price plus interest.
I believe the most common way in Europe for private buyers of brand new cars is PCP, so the purchase price is offset by a guaranteed future value for the car at the end of the deal (usually three years), which the finance arm of the manufacturer is on the hook for. If its worth more you sell the car on and make a "profit", if its value is less you hand it back and you lose nothing.
I have done the latter with multiple cars and it costs the financing arm thousands in each case.
Sure I never own the car, but I really don't want to, and this enables me to only pay at most the depreciation of the car during my ownership period.
Obviously buying used and running it till it drops should be cheaper, but that's complicated by cost savings of fuel vs. EV charging costs, the ever increasing repair costs as you start to age out simpler older cars, and other increased running costs such as insurance.
That’s called a lease here, and you don’t actually own it. You are basically renting it long term.
Thats also a lease here. Lease their company name goes on the ownership papers, PCP with the GFV, your name goes on the ownership papers.