First you can do MSD, which reduce the payment, but your money is secured even the car is stolen/totaled.
Recent 3-year CD give 5.2% so basically you risked your money for 0.3% APR(if you get 0.00235 MF) and lose the flexibility to use it in emergency.
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OP would have lowered their effectively monthly payment by like $40/mo more by putting that cash down into MSDs. Then they would be down to like $700/mo effective which is pretty good for an $83k premium plus.
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