Guess where we are today?
We are up in Kansas City… PICKING UP OUR NEW TRUCK!!
That’s right folks… the quest is finally over. Financing is arranged, approved and signed. Truck is awesome looking. Dyno was great. BlowBy almost nothing. This is a done deal and the truck will be in our driveway tomorrow night.
In the end, we punked out and decided to go for a newer truck with a warranty. There is something highly attractive about buying an old… really old… truck and getting into the whole deal for next to nothing. But when you start looking at the constant repair bills you’re facing and all the down-time that goes along with that, a newer truck that costs more up-front starts looking much better. Besides, we both find warranties to be very sexy. We were hoping to find a Century or Columbia in the 2005 or 2006 range with about 600k miles on it.
So we called around when we got back from OKC and started talking to this guy in Kansas City. And he has been awesome to work with on getting this deal put together. At first we didn’t think anyone would want to finance us because we have literally no credit history as far as purchasing things. I mean we have really good credit card credit scores, but we bought the house from a family member and bought the vehicles so long ago that they don’t count for crap. So we might as well have been a couple of 18-year-old kids as far as the financing companies see it. Add to that the fact that we’re first time owner-operators and the crap really starts hitting the fan. The only thing we have going for us is we’re both experienced drivers. Even OOIDA was telling us that we were going to need 30% down and that we should expect to pay about 16 to 17 percent interest on the loan. Hell, we figured out that we could just put the damned truck on a credit card and pay less interest. Sigh. That was pretty much a downer, as I’m sure you can imagine.
Then Shawn went to work for us and found us a great deal. Only required 15% down payment and only charged 13% interest on the balance. Plus, he and Angela got us financed for a much newer truck than we had dared to hope for with far fewer miles and with great big kick-ass warranties. Yet they still managed to keep the payments exactly in the range we were looking for.
So here’s the low-down on the new truck:
- 2007 Freightliner Century with 427k miles
- Detroit 60 Series 14L @ 515 horsepower with opti-idle (not too sure about that opti-idle business but we plan to get an apu as soon as we can so no big deal)
- 13 speed OD EatonFuller tranny and 3.42 ratio
- 229″ wheelbase w/ 4 airbag suspension
- All aluminum wheels with 22.5LP virgin tires
- Dual 150 gallon fuel tanks (woohoo!)
- Dual exhaust
- Dual chain hangers already installed
- Chrome gauges (whatever)
- Fancy-pants two-toned paint job (too fancy for us, but great at scale houses since fancier-pantsier trucks tend to get the green light more often than the duct-taped hoopty trucks)
- 3 year/300k mile drive-train warranty (serious woohoo!)
- 1 year/100k most everything on the truck warranty (double serious woohoo!)
We are very happy campers right now. I was telling Stace that, if this truck turns out to be as good over time as we hope it will, I don’t ever plan to buy a truck from anyone but Shawn. He, and Angela his finance guru, have really worked overtime to get us in a good truck with a good deal and make us happy with the whole experience. I suppose we might have gotten a better deal if we had kept looking, but I feel pretty dang satisfied with the deal we got and needless to say I am thrilled that the search is finally — at long last — over. Maybe now Fernando can think about something other than trucks all day every day. Like trailers for example… now we need a trailer.
Here’s a couple of pics of the new and improved HagMobile: