Here’s Why You Don’t Have to Pay Your Car Loan Anymore

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Here’s Why You Don’t Have to Pay Your Car Loan Anymore

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Күн бұрын

Car payments deferred. Here’s Why You Don’t Have to Pay Your Car Note Anymore, DIY and SUV review with Scotty Kilmer. Car loan information you need to know. Why tons of people aren't making their car payments anymore and what it means for America. No more car payments in America. Are cars free now or do you still have to make payments on car loans. Car Advice. DIY car repair with Scotty Kilmer, an auto mechanic for the last 52 years.
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This is the people's automotive channel! The most honest and funniest car channel on KZfaq. Never any sponsored content, just the truth about everything! Learn how to fix your car and how it works. Get a chance to show off your own car on Sundays. Or show off your own car mod on Wednesdays. Tool giveaways every Monday to help you with your own car projects. We have a new video every day! I've been an auto mechanic for the past 50 years and I'm here to share my knowledge with you.
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@scottykilmer 4 жыл бұрын

👉New Video on My Second Channel ► kzfaq.info/get/bejne/pK-ijNqIzKi1hKc.html Trading My Toyota for a Hyundai: kzfaq.info/get/bejne/aOCYda2p3cCbm4U.html ⬇️Scotty’s Top DIY Tools: 1. Bluetooth Scan Tool: amzn.to/2nfvmaD 2. Mid-Grade Scan Tool: amzn.to/33dKI0k 3. My Fancy (Originally $5,000) Professional Scan Tool: amzn.to/31khBXC 4. Cheap Scan Tool: amzn.to/2D8Tvae 5. Basic Mechanic Tool Set: amzn.to/2tEr6Ce 6. Professional Socket Set: amzn.to/2Bzmccg 7. Ratcheting Wrench Set: amzn.to/2BQjj8A 8. No Charging Required Car Jump Starter: amzn.to/2CthnUU 9. Battery Pack Car Jump Starter: amzn.to/2nrc6qR ⬇️ Things used in this video: 1. Common Sense 2. 4k Camera: amzn.to/2HkjavH 3. Camera Microphone: amzn.to/2Evn167 4. Camera Tripod: amzn.to/2Jwog8S 5. My computer for editing / uploading: amzn.to/2uUZ3lo 🛠Check out the tools I use and highly recommend ► goo.gl/rwYt2y Subscribe and hit the notification bell! ► goo.gl/CFismN

@johnbraucher1499 4 жыл бұрын

Scotty you should get ahold of a friends HALF YEAR 1999-2000 BMW 540i. Worst car I've ever had. And the alternator alone was $1000.00 + just because its "intercooled" please inform people about this more, apparently they dont get it yet. I see kids and adults both, going out and getting those things, thinking they're the greatest car ever. I've had a lot of good BMW's particularly the 2001 540i SPORT, with the 6 speed manual. And the older ones are good, but anything past 2000 generally is garbage. And people need to know this. Plastic replaces NOTHING.

@quickswhips2225 4 жыл бұрын

Scotty Kilmer I love your videos, but I do have to Disagree with you on dealers trying to rip customers off by paying less for there trade in and only dropping the retail value of there vehicles by 1% during this pandemic. I own a small used car dealership and we buy trade-ins from the bigger franchise Dealership at auction. A lot of the smaller Independent dealerships such as myself are struggling right now we haven’t got any help form the government and customers are not buying so we are not buying and that directly effect the Wholesale value of a vehicle. Now as far as the vehicles that are being sold right now most on them were purchased pre-pandemic which means there were purchased at a higher price there is only but so much profit in a vehicle after you buy it and recondition it for market. I know dealerships especially used dealerships get a bad rep and some of us deserve it. But some such as myself are just Trying to serve our community and take care of our families. A lot of the smaller dealers I know are going out of business And if something doesn’t change soon we might be in the same boat. Keep up the great video your loyal fan Quick.

@mynameisgladiator1933 4 жыл бұрын

"100 Meter dive board" - That's a big dive Scotty! 330 feet!

@tamarakennedy4976 4 жыл бұрын

@@quickswhips2225 i bought a used audi from cerritos nissan and the car broke down within a week had it repaired 3 yimes at 1500.00 each time then driving with kids back from open house and here i had gasoline spraying me in the face i felt heat and i was getting sprayed through air vents with gasoline..i pulled over to the side of the street told the kids get out that side get out get out then i turned car off took the keys out and the car was still running no keys in it..this was 2002. I yelled run guys run...and i called autoclub who was there in 5 minutes and took us home took car to a different auto shop and told me to get rid of the car i ended up leaving it they junked it. There were so many fatal flaws..too many and as much as i put into it i coukd have bought another used car.

@DriftedDriver33 4 жыл бұрын

Scott, I don't recommend kN for motorcycle or ATV. I had bought one for for a Honda XR 650. Blew up my motorcycle internally 😫. It Sucks, in dirt. This was said to me at the mechanic shop. So because of that.I don't buy anything from them. Stock air filter, safety first. Lol.

@XGiveMeLibertyX 4 жыл бұрын

I got my accord payed off before Christmas last year so I have no debt which feels pretty good right now

@WN_Byers 4 жыл бұрын

Good work T

@arifleming9701 4 жыл бұрын

Bugger off T

@infernojoe7554 4 жыл бұрын

9 more payments on my CTS. Then it's time to get rid if the Wife😬

@alejandrob-c2277 4 жыл бұрын

Bugger off bigga

@ishmuriyo6702 4 жыл бұрын

I know the feeling payed off my Mazda 3. N not getting anything new she runs perfect just keep up with the maintenance!

@DaveSomething 4 жыл бұрын

if you had a 94 Celica you wouldn't have a payment!

@ericdixon2898 4 жыл бұрын

This pandemic is going to send us right back to the stone age. Perhaps we'll all start driving '94 Toyota Celias again.. can't wait!!

@Kris_P._Bey_Ken 4 жыл бұрын

Most toyota celicas are bullet proof😎

@patrickboyd3364 4 жыл бұрын

I haven't had a car payment in 6 years.

@dronepilotflyby9481 4 жыл бұрын

14 yrs here.

@tinman9341 4 жыл бұрын

Would a 94 Sentra do? 300,000 miles and the only thing I need to replace is the rear brakes.

@phillylifer 4 жыл бұрын

Didn’t matter what he is saying. Just hearing him talk makes the world seem like a better place.

@charlesmassey8048 4 жыл бұрын

Exactly

@checoPH 4 жыл бұрын

Yesssssssss👍🏼👍🏼👍🏼👍🏼👌🤘🏼🤘🏼🤟🏾🤟🏾🤟🏾🤟🏾🤟🏾🤣🤣🤣🤣🤣🤣🤣🤣🤣

@vid2ification 4 жыл бұрын

😒

@wearefreesd3305 4 жыл бұрын

Watches tow truck take my car: “Scotty said I didn’t have to pay!”.

@hyenaman007 4 жыл бұрын

We Are Free Lol same thing I was thinking/ they’ll snatch that car up QUICK

@robertobonano3464 4 жыл бұрын

@@hyenaman007 Most cars build from the last 10 years have the same GPS that phones have, so is very easy to find even if you park on another location that your house. A friend of mine was repo when he went shopping. Yeah groceries in his hands and no car to put it in.😜🤪😲🤔😣😭

@user-in9lb6hd7c 4 жыл бұрын

Roberto Bonano you can that out if you’re willing to put in the work

@robertobonano3464 4 жыл бұрын

@ Unfortunately this GPS circuitry is embedded in the Engine Management System circuitry, all in the same motherboard, for this same reason must batteries don't last as they used to. Like all smart phone they are active 24/7. Most old car battery lasted 5 or more years. Today cars you are lucky if you get 3 years .

4 жыл бұрын

@@user-in9lb6hd7c Preach, brother. Lead these lost souls to the gospel of sensors, actuators and basic control logic. 🤘

@phattphilo377 4 жыл бұрын

“I pay cash for all my cars”, me too but I will spend more than 5k for one. Toyota is now my go to manufacture of cars. I find them usually just before they go off their warranty and they will run until you wreck them or drive them for 300,000 miles.

@JStrong-ps4pu 4 жыл бұрын

My Chevy Silverado 240,000 miles and still running strong.

@t.harris4309 4 жыл бұрын

I've had 2 Camry's and a Lexus ES300 all with 200k to 300k miles & all were running great until wrecked. All rear-ended at a stop light.

@dyingangelo 4 жыл бұрын

one of the best middle finger to the stealership is to buy parts and install it right at the dealer parking lot! lol

@irisheyes2161 4 жыл бұрын

That is definitely a finger up! LOL. You joke a lot, I’m serious I need a car so I can go to work. I don’t want one any older than 10 to 8 years old, that’s meets your approval of a well made car! I’m serious Scotty!

@sz8938 4 жыл бұрын

@@irisheyes2161 Toyota Corolla or Honda Civic. Period.

@ganonpig 4 жыл бұрын

Lmao. I think I might just do this the next time I need to do a service on my car 😂🤣

@c00l3zt 4 жыл бұрын

Or buy from rockauto and avoid getting railed by dealer markups

@wellnesspathforme6236 4 жыл бұрын

@@irisheyes2161 Lower relative mileage Corolla would likely work out. Spend time listening to Scotty so you know what to look for when buying a vehicle. Check the PCV valve, check the air filter, look for oil leaks, etc... My family has three Toyotas and the average age of the three is 18 or 19 years old, and they keep on running! I'm not planning on buying another car, either. Just take listen to Scotty and do your preventative maintenance.

@Anthony-qj7qe 4 жыл бұрын

Car sales have tanked in America ppl have more important things on their minds with this crisis!

@Gamingclutch1993 4 жыл бұрын

@Joe Blow is funny how people don't know how bad is going to get... This is just the beginning.

@70sfred1 4 жыл бұрын

@@Gamingclutch1993 I agree! We are already in a recession wait till the depression hits!

@Soundsaboutright42 4 жыл бұрын

Before covid: Buy a car! During covid: We know everyone is struggling, but buy a car. We're here for you.

@BimmerLife843 4 жыл бұрын

Joe Blow who begged for it?

@mechamania 4 жыл бұрын

Yes, you got the point. Excellent work, kid! 💯

@vantastic9367 4 жыл бұрын

Hey Scotty just purchased my first scan tool today, on my way to auto independence ( I checked my battery and alternator for the first time woo-hoo, and no codes). I also got the goo be gone for the bird poo, thank-you so much for all your good advice.

@Lancelot0311 4 жыл бұрын

Natasha Trendell great job !!!

@78gbw 4 жыл бұрын

Independent and strong. All good fathers would swell with pride at your post

@WellingtonCostaMoreira 4 жыл бұрын

The era of free money is coming...

@nightcat87 4 жыл бұрын

It's like they are just throwing money at us so we won't look at the bigger picture.

@TheMosinCrate 4 жыл бұрын

Free money = someone else having to work to pay for it.

@SuperMegaSammy 4 жыл бұрын

Here come inflation!!

@DJFish8051 4 жыл бұрын

I.R.S BE LIKE "NAH IT'S MY FREE MONEY"

@mechamania 4 жыл бұрын

The Mosin Crate ... or inherit it, from criminal activity. It doesn’t have to come from work, as you claim...

@MitchGrooms 4 жыл бұрын

Thanks for featuring two of my cars on your channel Scotty, You are the best

@ThaGodLegacyHD 4 жыл бұрын

"Here's why you don't need to pay your car loan anymore" Yeah because they already repossessed the damn car. LMAO.

@920boi9 4 жыл бұрын

😂😂😂💯

@itsthatatm8345 4 жыл бұрын

😂😂😂

@thewigdoctorsijaye6445 2 жыл бұрын

😭😭😭

@thickheart28 4 жыл бұрын

4:36 you should have a new segment called the Chrysler Comedy Hour with all the Chrysler fails 😂

@B0xlife1 4 жыл бұрын

Probably a good few episodes worth.

@sinskinner 4 жыл бұрын

Yes!

@thomaspeck7496 4 жыл бұрын

I have a Chrysler 300 and haven’t any trouble 137000 miles tires brakes and oil changes and one thermostat

@JT-xb6bg 4 жыл бұрын

387xxx on my ram 6.4 hemi. Lifetime powertrain warranty through Mopar. Replaced front wheel bearings so far..

@chriskeepitg27 4 жыл бұрын

Thomas Peck you are apart of the lucky few.

@TheDisabledGamersChannel 4 жыл бұрын

0:35 Scotty, these clips of animals when you laugh that you use crack me up, i love it.

@TheDisabledGamersChannel 4 жыл бұрын

@@klasseact6663 Haha, yea that one's great, and the horse lol.

@TheRockLobsterMafia 4 жыл бұрын

@@TheDisabledGamersChannel hey man I am also a disabled/handicapped gamer. I just wanted to say I hope you are doing well friend. Life is hard enough as it is being handicapped, and then this covid got everybody panicked and losing jobs

@TheDisabledGamersChannel 4 жыл бұрын

@@TheRockLobsterMafia Hey thanks, hope you're doing well too, i'm barely making it right now, i just hope this passes quickly.

@TheRockLobsterMafia 4 жыл бұрын

@@TheDisabledGamersChannel same here brother it's especially hard for disabled people during this time. All I can say is try to remain positive and and just take each day as it comes. Time passes quicker than you think as hard as it is to believe.

@TheDisabledGamersChannel 4 жыл бұрын

@@TheRockLobsterMafia Oh i know, i'm gonna be 50 this year, seems like i was 30 yesterday, each year comes and each year flies by faster than before, that's the number one thing after health issues i hate about getting older, it just goes by too damned fast for my liking.

@ytsponge6658 4 жыл бұрын

Scotty, I love how you crack yourself up because it cracks me up!

@edwardgiver 4 жыл бұрын

I love it when he puts up a picture of an owl when he goes HOO!

@TheMosinCrate 4 жыл бұрын

Jim, I love how you crack up because scotty is cracking up about cracking up, which cracks me up!

@vivapibu 4 жыл бұрын

Can’t believe Scotty didn’t mention his wife’s lexus 😂 ....anyways Scott u are the best 😀

@daveminer9217 4 жыл бұрын

Scotty truly loves what he does! The animation keeps it fun too. Best damn DIY videos out there! Thank You!

@bignasty882 4 жыл бұрын

I'm only interested in getting rid of my can insurance note.

@carlenestevenson9318 4 жыл бұрын

Amen my ins more than my payment

@stephenholloway4166 4 жыл бұрын

Same as me.. paid cash & DONE!... currently beatin the streets with a BEAUTIFUL 04 Explorer Eddie Bauer edition.. 258k on the odometer... runs so sweet .. $1200.. love NOT being tied to payments.. high insurance and the threat of repo by remote!.. Great vids as always!..

@VWWRENCHIE 4 жыл бұрын

4.7 million reasons not to have a car loan. Deferrals. Will bite you in the arse

@kylebrautigan2970 4 жыл бұрын

I love your maniacal laugh when it comes to GM and Chrysler quality control issues it makes me giggle every time 😂

@user-md4di6yg2p 4 жыл бұрын

I wish I could laugh along... I have two Rams :-/

@kylebrautigan2970 4 жыл бұрын

Steve's Bees it’s ok I have two Chevys lol

@itsbiggully 4 жыл бұрын

Steve's Bees i have a 300 and a impala lol i feel yo pain

@mylittlescienceproject 4 жыл бұрын

I just got an 05 scion xB the other week, for 2 grand CASH out the door. Small car lot. Looks and drives like it has 10k miles on it 😁 extremely greatful

@feelthesteeltatt00piercing 4 жыл бұрын

Just dont pay , theyll come get it.

@lawrenceanderson6167 4 жыл бұрын

OK just don't pay. They will come get the car, sell it fast and get little for it, and come after you for the remainder of the loan. if you go into debt with a lender on a car, you are always better off selling the car yourself to get the highest you can. remember, you will still have to pay off the remainder of the loan. The loan is not forgiven. If the lender gets more money then you owed, you have a right to the balance, but if they get less, they will still go after you for the remainder

@acezhou8 4 жыл бұрын

@Mai Mariarti We'll pick them up at auctions for cheap. Try me .

@jhonsonmojica9061 4 жыл бұрын

That is correct

@microspect 4 жыл бұрын

Affects credit too

@Jordan4Ibanez 4 жыл бұрын

Anyone that thinks they have enough room at the repo lot to store almost every car on the road is insane

@stephenarling1667 4 жыл бұрын

Great how Scotty sees through the interlocking shell games that comprise so much of American finance.

@tphvictims5101 4 жыл бұрын

2:46 Scotty knows all and sees all 👍🏻 can’t put one over on Scotty 😉👍🏻

@PerfectoM 4 жыл бұрын

Thanks for putting out the truth Scotty. You are the man. I know these companies are greedy but even during a time like this, that they can even be still greedy, man it disgusting. But thanks for doing what you do Scotty. It's good people like you that makes the world better.

@automotiveaddiction428 4 жыл бұрын

My car and my wife are the same age....I love my old stuff.

@gwats19577 4 жыл бұрын

Thanks to your good advice, these are the vehicles I own: 2007 Avalon, 200K Miles, 2009 Lexus RX350, 175,000 miles, 2010 FJ Cruiser, 91,000 miles, 2010 Camry SE, 127,000... all are in perfect mechanical condition, and I have small loans on the FJ and the Lexus... my rides will probably outlast me!! LOL!!!

@user-ix3yh8yt7r 2 жыл бұрын

My car has 20800 miles. It's a 2017.

@ratherbfishing455 4 жыл бұрын

I need a new, used car. I wish that I hadn't lost my job of 20 years.

@JTA1961 4 жыл бұрын

Now might actually be a good time to walk into a bank wearing a mask...

@ratherbfishing455 4 жыл бұрын

@@JTA1961 A few weeks ago,, I started to enter with a scarf on, but I told the bank guard that I better take it down. He laughed

@jimmypena2442 4 жыл бұрын

Joel Atteberry and a gun

@glasspilot1 4 жыл бұрын

@@JTA1961 , where I live (NC) the bank lobbies are closed. Only drive through and online.

@billdougan4022 4 жыл бұрын

Since some bank lobbies are closed, you can call the phone number on the door and schedule an appointment. They let you in the lobby with a mask and gloves, but check your ID, beforehand. 🕵🏻‍♂️😷

@tomm2271 4 жыл бұрын

Scotty, you repeatedly mention that dealers charge too much for used cars, yet you never suggest an alternative. What avenue do you suggest for shopping a private owner? But buying from a private owner isnt always a good choice as these people use kbb, Edmunds..etc to establish a selling price. Again, these are sites that you speak negatively about. Please advise

@ebonyeyed08ti 3 жыл бұрын

I would really like your questioned answered , because im considering buying a Toyota SUV in about 3 years

@libertyforever4270 4 жыл бұрын

I've always paid cash for used cars. A 1970 3/4 ton 4×4 pickup I paid $2000 for lasted 22 years. It hauled so much for me that when I retired it I kept it in the yard as a monument to saved money. Years later a guy offered me $500 for it so I let it go.

@yourview1944 4 жыл бұрын

I have seen K&N filters ruin MAF, MAS sensors. The oil goes into the intake and collects on the sensors and "bakes" on the heated part of the sensor. I fully agree with Scotty on the "better MPG" claim, that if it were that easy to increase it, the OEM's would already be doing it, especially for the price.

@TheIronChainMaster 4 жыл бұрын

I get a thrill when scotty says junkyard and a picture of a Chevy dealer pops up every time 😂

@rpm773 4 жыл бұрын

If the financing arm of the automakers didn't write these risky notes, they'd have nothing to worry about. Of course, that would depress sales, because the cheap money in the form of risky loans helps inflate sales, drive up prices of vehicles. Endless cycle. It's best to live within one's means. That goes for the automakers, too.

@mordys6305 4 жыл бұрын

@Jeffrey Johnson they will by stealing through inflation from proper middle class earners. The rich and poor hate you.

@ChevyCitation 4 жыл бұрын

At 5:38 Scotty could not hold in the laughter at the Poor and Lack of Fiat / Chrysler Quality At 10:07 Scotty he went to a Junk Yard to buy his sister a used Driveshaft shows Chevy Dealer

@toptenguy1907 4 жыл бұрын

Lol he was really tearing into them, it was hilarious

@KOLAkola 4 жыл бұрын

They should just lower the interest rate to 1% for every customer. Their greed is destroying them as planned. It’s gone get really bad if they don’t do something fast!

@6lemans10 4 жыл бұрын

Very nasty.😬

@toddlavigne6441 4 жыл бұрын

Well people also are buying brand new, really expensive cars that they really can't afford if it wasn't for the really long loan period (72 or 84 months). I buy used, paid cash. A good car can last 20 years if you take good care of it. 5 grand will usually get you a nice car. The industry is in a ton a trouble.

@everettsandoval5889 4 жыл бұрын

These dealers and car companies are shooting themselves in the foot. These cars are just sitting there rotting when they can deal them out better. An interest rate should be fixed instead of trying to lure you in with a zero down for 12 months. Your 20k car will be 30 plus with that future interest. I was laughed at in a dealer when I offered 18 for a 24k car. Just goes to show these dealers don’t want to play ball. Well now with the crisis these guys are lucky to sell anything. They’re better off selling burgers and tacos lol 😂

@LandoDiMariano 4 жыл бұрын

Got a 0% rate from Ford last week.

@beto8753 4 жыл бұрын

@@LandoDiMariano where

@yungactivist 4 жыл бұрын

Almost everyday I see cars getting repossessed it's crazy

@flashmontana 4 жыл бұрын

😳😳

@danielb3863 4 жыл бұрын

Walmart here in Tucker , GA had one last night. Its was a mess to say the least.

@ceciliaageofaquarius1225 4 жыл бұрын

😔

@yungactivist 4 жыл бұрын

@Green Mills yeah they don't care. They gotta feed their families

@MrNiftyNic 4 жыл бұрын

If you like allowing dirt into your engine a K&N filter is the way to go. The standard paper filter does a superior job of keeping dirt out of the engine.

@robertbell525 4 жыл бұрын

It's nice to be in the south where you can keep a car for 30 years.

@mordys6305 4 жыл бұрын

I thought that's called a free country. I thought we have a right to property.

@BananaDucshortz 4 жыл бұрын

@@mordys6305 he's referring to the salt damage us further up north have to deal with.... salt eats your frame.

@SahFeirce33 4 жыл бұрын

I'm so glad tht I own my car, & my Truck!!!! I never got a car loan, I save my money 2 get wht I want, When I got my 2011 Truck, the guy stated @ me!!!! I told him I have all the money, I dnt do Auto Loans!!!!!!

@IcatchTuna 4 жыл бұрын

You will 99% of the time get a better deal if you dont tell them you are a cash buyer. You probably paid the dealer the extra they would have made on the loan in cash because you negotiated poorly.

@menotyou5380 4 жыл бұрын

He didn't state at what point he revealed he was paying cash. I do all the haggling on price first. (And never trade my old car in. I sell it privately), then, after a price is agreed on, I'll state I'm paying cash. TBH, I've actually gotten a discount for buying cash before. I guess, it just depends on the type car, and the particular salesman you get.

@SahFeirce33 4 жыл бұрын

I bought my Truck from a small car lot, Trust me I had my mechanic with me, He did all the negation & He was throwing all kinds of numbers out, we went back 3 weeks later cause he sold the lot, My mechanic got my truck 4 a good deal.......I had my truck 3 yrs now, It's rides so good....

@Menaceblue3 4 жыл бұрын

Why don't I stop paying my child support checks? It's an endless money pit!

@missilem2630 4 жыл бұрын

@vinnyt.8027 4 жыл бұрын

A lot dudes can relate brother ✊

@daveogarf 4 жыл бұрын

You're talking about your FAMILY there, dumbf**k!

@ericdixon2898 4 жыл бұрын

Wrap it in foil before you check her oil!!

@hyperhornsgaming 4 жыл бұрын

Shoulda wrapped your dipstick.... Pay for your kids and don't be a POS 👍🏻

@joecostantino3684 4 жыл бұрын

You may be able to get away with not paying now but sooner or later once this has past the piper will come calling.

@asherdie 4 жыл бұрын

I used to believe that, then I struggled through the housing bubble to pay my debt, while others stopped paying. many I know lived in a house not making mortgage payments for 2 years and the bank still worked with them, kept the house, negotiated lower price and better rates. That piper forgot about them.

@tww11 4 жыл бұрын

grumpybill Not when it comes to cars. They will wait right up until the statute of limitations is about to run out and then decide to sue you for the balance.

@eyeinsee 4 жыл бұрын

It’s all about how much you care about your credit score, ill keep paying

@JohnnyAmerique 4 жыл бұрын

Xennial Millionaire If you do get sued for an old debt then answer the summons and defend yourself in court. Debt collectors (scum of the earth) operate a volume business, and they count on most of their victims ignoring the summons so they win a default judgement automatically. 9 times out of 10 they don’t have anything aside from a spreadsheet with the basic account information. In other words, they’ve got nothing and when people actually answer the summons and defend themselves, they have no choice but to drop the lawsuit (usually they’ll just ignore requests for discovery until it expires). Even if they do have evidence the debt is valid, they’ll often drop it because they don’t want to risk the expense of pursuing a lawsuit with a dubious prospect of recovering anything (defaulted debtors, for obvious reasons, are usually broke). I got sued by several credit card issuers after being unemployed for 8 months during the 2008/2009 collapse. I answered all the summons and after filing requests for discovery, the plaintiffs in every case simply ignored the lawsuits until they expired. But you have to answer the summons!

@LuisFlores-bq5eo 4 жыл бұрын

@@JohnnyAmerique very true

@jjpp397 4 жыл бұрын

We have a lot of gravel roads here in North Dakota. We kind of depend on the gas caps to keep the dirt out of the gas tanks. The cap-less systems need to be cleaned when ever you want to fill up. They only build cars for California.

@dbeau3977 4 жыл бұрын

Subprime tag line: “If you miss a payment, we’ll put you back on your feet.”

@Roarman57 4 жыл бұрын

At least people are sitting around and can have their vehicle in the shop

@on-site4094 4 жыл бұрын

That’s why I never buy new cars the depreciation is too great I buy used I pay cash 💵. I see a lot of deals on cars coming up

@kromahj 4 жыл бұрын

If people are not buying new cars , them a lot people will go out of job

@Ozzypup1 4 жыл бұрын

My wife and I used to have a car financed through Ally. They are the biggest joke of a bank. Never ever again will I finance with them again. Tons of negative reviews online as well. The car ended up getting totaled by a texting driver. Loved the car but at least we got away from that bank.

@watershed44 4 жыл бұрын

@Jason S Wasn't Ally originally GMAC?

@johnsmith-gt3po 4 жыл бұрын

I had them years ago. You're right, they're garbage bank. 👎😞

@logan_kes 4 жыл бұрын

Jason S just traded in my 18’ Infiniti Q50 I financed through ally 2 mo ago for a 20’ mustang gt, can’t say anything bad about ally but all I did was setup autopay and leave it for a couple of years, site wasn’t the easiest to use, but I used it once. But I heard Scotty brought it up so I’m glad I switched lol

@bradhampton6457 4 жыл бұрын

@@watershed44 Yes they originally were called GMAC

@davidpick1076 4 жыл бұрын

Reminds me of my experience with Ally Bank in 2011. I had purchased a used GMC 07 Sierra in Oct 2010. The stealership got me a loan through Ally. I received an inheritance from my grandma passing away in Apr 2011. I wanted to pay my loan off in full online. The website wouldn't let me. I called support and told them I'd like to pay my loan off. First question support asked me,"Did you win the lotto?". No, I received an inheritance and like to pay my debt off. Then they let me pay it off. I still for better or worse own and drive that 07 Sierra that definitely became a money pit. I have yet to decide what to replace it with. But I'll never finance through Ally again whenever I need another car loan.

@amplifiedman 4 жыл бұрын

Scotty absolutely nailed it again.🤔💯🎯😂😂😂😂😂

@mr.c493 4 жыл бұрын

That’s why you should keep your car, maintain it and stop trading cars every 3 years. Now that’s an endless money pit system. I don’t understand why people do that. Always having a car payment. Times are changing, people need to learn how to be conservative with $$.

@TheMosinCrate 4 жыл бұрын

@Sound Waves The need to feel superior to others is the same reason we see advancement in medicine, vehicles, pretty much everything in day to day life. The day humans are no longer competitive is the day our future dies.

@Biggja22 4 жыл бұрын

I'm with you I'm rocking an 83 Toyota sr5 shortbed. Fun and reliable

@sumnertime3518 4 жыл бұрын

My 2007 corolla i bought with a bad clutch for 2500 is running great. Your the best scotty.

@MercedesE63S-AMG 4 жыл бұрын

Fun fact about K&N filters. Yes they flow a lil better when brand new but once you clean them, a new paper filter flows more. K&N cost so much more & really you can only use them once if you have a performance car. I don't use them.

@shortafewbolts 4 жыл бұрын

Tomorrow: "Here's why you have to pay your car loan" :)

@CheapBastard1988 4 жыл бұрын

If you plan not to at least everyone should do it at once. Then they wouldn't know what to do. It's a giant scam that takes advantage of the poor and stupid anyway. I'm like Scotty always paid cash for my cars and the most expensive is the one I currently drive for €7000 that I bought 11 years ago when it was 8 years old and had only done 65000km (about 40000 miles) with a complete service history.

@johngaudet6316 4 жыл бұрын

Repossession, If you won't pay for it someone else will. Simple.

@AlexJonesFool 4 жыл бұрын

I just paid Credit Acceptance off! 🙏🏽

@darksin5140 4 жыл бұрын

Alex Jones I’m still in the soup with them can’t wait to pay them off

@TheDJMHERRERA 4 жыл бұрын

i haave three more years here

@kimberly6211 4 жыл бұрын

I HATE them.

@amirah267 4 жыл бұрын

Yes I paid my car off a few months ago, and then it broke down 🤦🏽‍♀️

@piscesdrip977 4 жыл бұрын

I hate credit acceptance!!! Wouldn’t refer my worst enemy. They don’t work with you, they don’t care about no dam pandemic. They want their money

@emmapeel1075 4 жыл бұрын

It's ok to get an old car if you are a Mr Fix It. I need a dependable car with all the bells and whistles as far as peace of mind if I go on a long trip !

@LuciFeric137 4 жыл бұрын

Nice. I put a cooling fan manual switch on my old Corvette. They're notorious for running hot. Never had a problem, although she would run pretty warm on those 115° days here in so. Nevada..

@detroitdiesel89 4 жыл бұрын

I have my loan through credit acceptance. I have gotten emails saying if i can't pay my bill to contact them. Im not poor and can pay my bill so its not a big deal.

@hyperhornsgaming 4 жыл бұрын

I like credit acceptance, they really work with you

@infernojoe7554 4 жыл бұрын

Lucky for some of us. I am almost done with my payments. Wouldn't want to skip any. They just tack the interest on the next payment anyway.

@leocadena6844 4 жыл бұрын

That's why I save, research, and buy the best deal when it comes CASH! I love my 4Runner!

@thelittleittybittypityshow6380 4 жыл бұрын

If you live on a dirt road, get a K&N filter ! Two if you can afford it, then you have no downtime. Just alternate and clean the dirty one at leisure. Always keep a New paper filter if possible and replace the cabin filters at the same intervals.

@stuffhappensdownsouth9899 4 жыл бұрын

i gotta agree i work in a body shop pulling truck beds apart all day and dodge beds and rear bumpers are flimsy crap compared to a ford

@sonidoa.c.g3884 4 жыл бұрын

Hey Scotty we love you, Upstate New York

@scottykilmer 4 жыл бұрын

hello!

@andrewperry6991 4 жыл бұрын

Upstate New York 5 miles south of Canandaigua Lake. Scott he's my hero

@richardhowe5583 4 жыл бұрын

I bought a starship in the 60s And the reactor is still going strong.. I can still reach Warp factor 10 with no problem..I guess I will just keep my starship until it leaves me stranded in a galaxy somewhere far far away.. Beam me up Scotty!!!!

@billdougan4022 4 жыл бұрын

The dilithium crystals will start going bad after 100 million light years. Be sure replace with new ones, the rebuilt ones only last a fraction of the time. 🌃

@Defy_Convention 4 жыл бұрын

But can it make the kessel run in less than 12 parsecs? Had to be that guy referencing star wars from a star trek post.

@stevencorrea7982 4 жыл бұрын

There's no intelligent life down here 😂.

@friendlyneighborhoodmechan2606 4 жыл бұрын

My 351-windsor with a 4 barrel . Had a noticeable power gain with a k&n .compared to no filter at all .

@charlesc.parker1164 4 жыл бұрын

I bought a 93 Thunderbird four years ago and all I've done is change the oil yearly. It runs great and doesn't use any oil. Best 500 dollars I've ever spent and yes a little old lady had it. Had 57 thousand miles and now it's got almost 70 thousand.

@RC-fe9py 4 жыл бұрын

Come on Scotty, we all know you're Bender from Futurama in disguise 🤨🤣.

@crlaw75 4 жыл бұрын

Wow...didn't know about the capless system in the gas tank.

@elfpimp1 4 жыл бұрын

I had a 1972 Oldsmobile Delta 88, my first car and I only paid $25 fr for it in 1984/85. I let my sister drive it ONCE and backing out of our driveway without letting it warm up it stalled out(so she says). No engine ,no brakes. The driveway was a decent downhill slope. So what happened? She took out our neighbors white picket fence and half their brick stairs.. Weirdest thing was there was only a small half inch scratch on my back bumper. Thing was a tank...

@quinthacurly8481 4 жыл бұрын

Lol they can pull off the Ford emblem all they want, any Five-Hundred/Montego driver can ID that car in a flash. Great video, Scotty!

@boomdoggy 4 жыл бұрын

Hey Scotty! My buddy works for a Toyota dealership in Houston & just texted me a 2008 Land Cruiser just came in on a trade. Should I trade my wife’s MB C300 for this awesome Toyota? Plus I want you to go over it before I buy it! Thanks!!!

@dailysmoke1687 4 жыл бұрын

"that Toyota is doopeeee" said no one ever

@commandertaco1762 4 жыл бұрын

Getting a used 2012 accord coupe, fully loaded 68k miles, 9k, babied by the first owner, what do you think?

@anonymoususer1952 4 жыл бұрын

If it's an automatic watch out for those transmissions, they're not as strong as the aisins toyota/lexus uses. Motors are good.

@commandertaco1762 4 жыл бұрын

@@anonymoususer1952 really? A Honda transmission? I heard that it was only the 2008-2011 models that had problems, when I test drove it, it shifted like a dream, felt nice. But i wont say your wrong, Toyota transmissions are built to survive nuclear warfare

@commandertaco1762 4 жыл бұрын

Got my guy taking a look at it soon

@EMichaelBall 4 жыл бұрын

In this economy, it's probably an $8-9k car in V6 or four-cylinder form (my bad on the initial estimate on the 4-cyl) with an automatic. If it's the V6, make sure the owner presents proof that the timing belt and water pump was replaced; that's an ~$800 or so job that you need to do to prevent the engine from being fried by a broken timing belt. The inline-fours have a chain -- way better.

@commandertaco1762 4 жыл бұрын

@@EMichaelBall it's an l4, still haven't signed paperwork, it's my first car purchase and being 18, after having my mechanic look at it I still gotta have my pops look at it before he helps me out, cant exactly buy a 9k car with 5k now can I. It is a dealership but I've taken a pretty good look at it and so far it looks really nice, just a few dings , nothing to worry about but my pops knows more, he mentioned a bunch of stuff I didnt check so we are going to check it out

@darrylhiggs8295 4 жыл бұрын

Did I see you on television news last night protesting that you had lost your job? From New Zealand

@mellymel9892 Жыл бұрын

The Cat pillows are KILLING me! 😂😂😂😂😂😭

@justgod613 4 жыл бұрын

Scotty, love the pic of Arrowhead Stadium you used in the opening segment. Chiefs!!!

@doranvee5944 4 жыл бұрын

Finally Scotty making cents. Dont buy a car on credit. There are really good cheap cars. I saw 1991 Pontiac Bonneville, with 3.8 sell for $165. It had low mileage, looked nice, and almost 30 years old. Who cares. Its paid for!

@kramnull8962 4 жыл бұрын

@Alfredo Tirado In the trunk...

@jamesthunder7590 4 жыл бұрын

❤️👍👍👍

@jalene150 4 жыл бұрын

That’s obviously not the norm...

@LuisFlores-bq5eo 4 жыл бұрын

Where you see that at!

@georgestreicher252 4 жыл бұрын

Back in the good old days, all air cleaners were oil bath. Had one in my '65 Econoline van. Was not a problem to clean it out with solvent, reoil it, and replace. They say those old oil bath air filters worked better than the paper kind.

@JimCar71 4 жыл бұрын

That parting comment was classic!

@310_Latchkey_kid 4 жыл бұрын

I love how scotty roasts Dodge!

@TheMosinCrate 4 жыл бұрын

That's not really fair to Dodge though. True car people know that Dodge's are built like a rock. . . . They sit there after the transmission inventively breaks at 10k miles. You look under the roast, to only find more roast.

@kramnull8962 4 жыл бұрын

@@TheMosinCrate So in other words you pay for a Dodge by the pound...

@jvolstad 4 жыл бұрын

I'm a cash buyer as well. 👍👍👍

@DecrepitBiden 4 жыл бұрын

Been cash buyer since my first used Nissan in 1991. Now i buy all new cars.

@frankgiancola7 4 жыл бұрын

Bought a K & N air filter for my 1997 sunfire convertible 2.4 L when it had 189000 kms on it . Today I still have that same filter and my car has 456000 kms on it. Well worth the $ never have to buy another filter again.

@stevestadel9400 4 жыл бұрын

I purchased a ford explorer two years ago. About fourteen months in to my finance company went out of business, and turned my account over to a collection agency. I never made a late payment, but my credit is screwed. I stopped paying after a few months. Let them repo it. Preditory lenders!

@josephkemmer 4 жыл бұрын

Wow, did you or your wife de-clutter your shelves behind you? Looks good.

@InDreamsYourMine 4 жыл бұрын

He did with the help of his wife's nagging.

@ricardomierz8467 4 жыл бұрын

Thats an old one, at least once every month.

@stanleywheeler404 4 жыл бұрын

HIS WIFE DECLUTTERED THOSE SHELVES ! SCOTTY HAS A HARD ENOUGH TIME KEEPING HIS MIND DECLUTTERED !!! BUT THEN MOST OF US MEN DO!! THANK GOD FOR OUR WIVES!!

@ricardomierz8467 4 жыл бұрын

@@stanleywheeler404 Why are you shouting?

@electron7659 4 жыл бұрын

What he NEEDS to do is de clutter his garage 🙄

@AntonioRamirez-jw3hm 4 жыл бұрын

She bent the driveshaft 😄😂 this is more hilarious than that stupid Dodge Ram stupidity. 👎😎

@bodhithespoodergen 4 жыл бұрын

Antonio Ramirez and mustang stupidity

@AntonioRamirez-jw3hm 4 жыл бұрын

@@bodhithespoodergen 👌

@bodhithespoodergen 4 жыл бұрын

Yeah

@dronepilotflyby9481 4 жыл бұрын

Yep, dealers offering longer payment time period but very little in they way discounts. After seeing multiple YT channels saying "What a great time to buy" the comments from people across the country say otherwise. Local dealers refused any discount on a vehicle I inquired about.

@BrianNC81 4 жыл бұрын

We have a car, truck, and SUV in the garage and no debt. Payments suck, save up and pay cash or knock out the loan really fast. Living debt free is a lot less stress that being in servitude to the lender.

@harrymakongwa1147 4 жыл бұрын

Just buy Corolla 2003,less expensive but most reliable..we got plenty of them in Tanzania.

@Kris_P._Bey_Ken 4 жыл бұрын

Most toyotas are pretty reliable😎

@FrankySilverFace 4 жыл бұрын

Tanzania. Is that in Florida? 😂

@Technoirz 4 жыл бұрын

I LIKE LOUD SPEAKERS probably California

@truthhurts2256 4 жыл бұрын

This is true. Bought an 03 and last over 300k amd maybe 300 more if i hadn't totalled it

@truthhurts2256 4 жыл бұрын

@@spenserchalkley7013thats just one car

@xclavex 4 жыл бұрын

"So we went to a junkyard" Shows a picture of a chevy dealership...lol

@ty2010 4 жыл бұрын

I had a car that would get too heat soaked before the coolant sensor tripped, starter didn't even want to crank unless it sat. I wired a dryer high limit switch in parallel, they run 140-150 degrees. If it's normally closed you have to get the 4 or 5 wire type and use the connector that operates the timer advance.

@Supportingtruth8258 4 жыл бұрын

I had a lot of bad luck with used cars, and just got fed up with breakdowns and trying to find ride's while my vehicle was in the shop - so I started buying new cars and almost always had a warranty which gave me peace of mind. But now I'm back to used vehicles now that I'm retired and don't drive much.

@shanemarcotte2062 4 жыл бұрын

Always a wealth of information Scotty!

@luisLP5752 4 жыл бұрын

Wells Fargo auto loan told me that they could stop my payment for a few months BUT they were still going to charge me the interest of those months I’ve stop making payments on and then when I start making payments, my first payment it’s going to be the interest of the months I didn’t pay. HOWS THAT FOR FLEXIBLE HUH? While ford completely froze payments and interest on my aunts vehicle. Shame on wellsfargo

@kromahj 4 жыл бұрын

Well just pay or give them the car back

@shannonwylie9419 4 жыл бұрын

I just found a 2013 Lexus RX 350 with 65,000 for $20,735. It's nice. I think it's kind of high? Anybody? Also found a Rav 4, xle overpriced a bit. 2016, $18,991 with 44,000 miles. I have been looking for a used car and I agree the prices have not gone down at all. Maybe I should wait a month.

@heavensent4284 4 жыл бұрын

shannon wylie I've been out used car shopping myself recently and in one case the dealer dropped the price $900. In another instance, he agreed to drop the price $1,000. And, in a third instance for a car he had had for awhile, he dropped the price $2,500. The ball is in your court. Choose how much you want to pay for a car. Offer them that amount. They take it or leave it. Be willing to walk if they don't take it, but from what I've been experiencing lately, chances are they'll take your offer. Never pay sticker price. Ever.

@ArthurBrinkman-c5z 4 жыл бұрын

I have a Lincoln MKS with the capless fill on it. I bought a locking gas cap!

@jeffreyboomhauer1984 4 жыл бұрын

aint pay no loan man, dang ol dodge cornet dang a classic cash firm 1975 used man

@richardjohnson-tb5pz 4 жыл бұрын

Scotty, I love your channel and all the great advice from your many years of experience. Since you've seen a lot, what do you think is the best thing about modern cars, and what do you think was the best thing about the cars you worked on when you were a young mechanic?

@02337755 4 жыл бұрын

I’ve never had a problem with my cap less gas assembly

@charleshines6155 4 жыл бұрын

My dad had a 2003 Dodge Ram but it was not the garbage they are making today. His only cars were Mopars and it would have broken his heart to see what they have become. It really is horrible!

@davidprodigy5833 4 жыл бұрын

2:46 I can picture it right now

@BigEightiesNewWave 4 жыл бұрын

Tossing salad vs making pizza

@johnmcdonald4747 4 жыл бұрын

The 1976 Toyota Celica coupe GT is the best car ever made in the history of automobiles.

@valpack21 4 жыл бұрын

I lost my parts at: "So we went to a junkyard" 😂🤣😅 What a Savage!

@bettyvanderhooven-schmaasc4235 4 жыл бұрын

I'm almost 50yrs old, I've never had a car payment. I drive a 95 Mazda 626 5 speed & a 99 LaSabre. Yearly repairs and upkeep cost about $1500 some years. I've gotta be honest, id love to drive a car w cruise, power locks & windows, and a fob. 2 weeks ago I discovered that new cars don't have ashtrays. Lmao.