Written 10/14/2025.
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I got the call at 10:30 am Friday morning. I had dropped Hyundai Elantra off the night before and they gave me a loaner car for the day. $2,100 to fix all the brake problems and master cylinder. The car is worth $1,800 at best. If I got it fixed, something else would have broken.
I told them to put it back together. I wasn’t fixing it. Time to get another car. I needed a car for Saturday.
I knew that I wanted one of three brands, Honda, Toyota, or Subaru. All rated highly. Next, I didn’t want to spend much money right now, so I set the results at cars costing $10,000 or less.
Subarus turned up, but very few other cars.
I set the bar higher, $15,000 and got some good results. I also sorted based upon the best deals (vehicle offered below market rate) and found a Subaru that was interesting. I called on it. It was available, but someone was test driving it. I told the salesperson to let me know if it sold.
Next, I put that make/model of Subaru into ChatGPT. It returned stats on typical issues with that particular make/model and repair score. The repair score was average, and I was looking for better (equaling lower repairs).
I put in about 4 other cars, including a BMW SUV (bad repair score - repairs + cost to fix) and finally settled on a Honda Pilot. Mileage was over 100K, but Hondas will go for at least 200K miles. Everything else looked really good, including what chatgpt returned on repair scores and possible issues.
I called the place where the car was being offered and talked to Jim. I asked whether he could go lower on the price it had been on the lot for 99 days. We had a brisk discussion. I also asked about financing, which he replied he had several options.
I went to his website and put my information in to get financing options from the dealership.
I then went online to look at other financing options. PNC bank supposedly had something. I called and had to go into a branch and scheduled an appointment for 2:30 pm at the local branch. I told the person on the phone before we booked the appointed specifically about the car, year, mileage, where it was being sold.
I got to the branch and the person I was supposed to meet with wasn’t there. Another person helped me, which was good. The biggest issue was that they wouldn’t finance a car with more than 85,000 miles on it. So, because the PNC lady who set up the appointment didn’t know it meant that I had wasted over 2 hours of time.
Jim called and told me I was approved to finance all of it (no money down) for 48 months and that since I did that, he’d hold the car for me to see it and start the paperwork.
Off I went in the loaner car. I toyed with taking an Uber over but decided against it in case the car was a dud. It took about an hour to get to Crestwood on a Friday afternoon.
I looked at the car. Seats and interior were pristine for being 8 years old. The exterior had some scratches, and the back cargo area had scratches, but that was to be expected.
The car drove really well; everything worked and seems tight. I inspected the engine, underbody, tires, etc. All looked good.
I went into Jim and he had already done the paperwork for me. He kicked the current family out of his office (they were still trying to decide) and I signed 8 pages and grabbed a key. He kept the other key because he had to move the car to a part of the lot I could access after they had closed.
I also asked him to fill up the tank before I returned, which he agreed to do.
Back to Naperville.
My Hyundai was ready to be picked up. I paid via the phone and brought my extra set of keys because it was after 6 pm by the time I arrived. I had also made an appointment over at Hyundai to sell my car to them.
I brought 2 big boxes to clear all the s**t I had accumulated and dropped off the loaner car and picked mine up. The brakes were very iffy (I had to push close to the floorboard before I’d stop), but I made it over to the dealership.
The guy offered me $500, I countered with $1000. He said he had to talk with his manager, so went off to do so. I waited 2 minutes and walked into the manager’s office and exclaimed, “are you gonna give it to me (the $1000)?” The manager replied he could do $800, no more. I pushed but he wouldn’t budge, and I did NOT want to bring the car come, so I counted with $800 and a Lyft ride to Crestwood. He asked how much that’d be and I said $45. He said okay. So off I went to Crestwood to pick up my car with my 2 big boxes of crap.
The good news is that while cleaning my car out, I found one set of keys that had been missing for about 8 years and another set of USPS keys that didn’t go to anything.
I got my Honda in Crestwood and arrived home about 8:30 pm. I lost a day, but it was just one day, and I really love the car. It’s the first one for me with a backup camera. That is something I’m still getting used to. Oh, and it has a remote starter! How cool is that.
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