So has done this? Did you regret it? Who has good financing? Who is easy to deal with? I would like a full A&A kit. Thanks for all your input

 

I did it when I bought my new A&A V3 Si back in 2012. Had the money in the bank, but didn't want to pull it from my savings for some odd reason I can't remember. Payed it off in 4-6months. It never sat well with me, so decided to never finance car parts again. I just used a new Chase card that had no interest for 18months. It's the only time I've ever carried a credit card balance. I don't regret it, I just wouldn't do it again. If I can't pay cash for it, I technically can't afford it.

When I had the motor pulled and did an AES Forged LS6 and a bunch of other related parts a year later, I forked out the cash and payed it for it on the spot.

Don't finance car parts, it's a terrible financial decision. Even worse than having cars as a hobby in the first place.

 

Thats the exact kit im interested in. Ihave the money too but dont wanna come off such a chunk etc. what am i looking at total? $6,000 plus $1,000 install?

 

Yep, I know exactly what you mean. That's the same reason I financed it.

I went back through my paperwork to see what the costs were on my project back in 2012 at a very popular/reputable LS performance shop in the Midwest. The kit was $5,200 and the installation was $800, then there was a $450 charge for tuning. There was also roughly $75 worth of miscellaneous fittings, lines, and fluids.

Just keep in mind, that's supercharger kit and install ONLY. You'll be past the limit of the OEM clutch if you use the common 3.6/3.8 pulleys.

 

Where in the midwest are you? Can you tell me what i'm looking at as far as the clutch?

 

My work was done in the Chicago area. There are a lot of clutch choices, but I prefer the McCleod RST and RXT's. Pretty much stock pedal effort and hold quite a bit of power. Clutch install was about $400. Use all of these prices as a very rough estimate. This was back in 2012, and every shop will likely be different. Pretty sure every shop will give you a free estimate if you call or email them.

Depending on how you drive and which pulley you go with, the stock clutch might hold on for quite a while.

 

Put it on a low interest credit card to get the points. Financing any hobby isn't usually the best move.

 

Dont do it
parts/labor/tune then finding all the weak links afterwards $$$$$

 

Is your car your daily driver? Do you have access to a 0% card for a fixed number of months and have guaranteed cash coming in that exceeds to the cost?

Honestly, this seems like a terrible idea, and I'm not even the most financially educated guy around. I could understand if you had a known upcoming bonus coming up, a 0% interest card that gave you a boatload of points if you charged by a certain amount, or if you got some sort of silly good deal ending shortly.

If for some reason the supercharger pops your motor, you'll be stuck paying for a part you cannot use, and if you're putting mods on a card, I'd venture to guess that you don't have a backup fund in case the motor does grenade on you.

Save up until you have the full amount in cash, then drop it in. Otherwise, I'd highly recommend holding off, but that's just me, the lowly peon.

 

I would never finance something like that, or anything else anymore for that matter unless it's something extremely important and that doesn't include vehicles period.
I'm almost 69 but have been thinking this way for the past 25 years and been way better off in the long run.
If it's too expensive, get something cheaper , if there is nothing any cheaper then save for it. By that time you'll most likely be glad you didn't get it and won't want it then anyhow.
But with all the things they advertise today about paying off your debt or eleminating most of it and bankruptcy procedures and such what the hell do I know. Maby it's the way to go today, the world has changed.
But one thing hasn't, You still can't put 10 lbs. of XXXX in a 5 lb bag, it's just gonna be a big mess in the long run
This is just from someone who has done a hell of a lot of stupid and impulsive things in the past and still do. But if I can't pay for it on next months charge card bill I'm cutting that thing up too. DON'T DO IT!

 

Just ask yourself this, could you even pay for an instalation and a tune right now if the system was free?
Please don't think I'm trying to be smart, snotty, know it all or whatever. It's just the same thing I always told my kids. My Son listened, my Daughter didn't and still doesn't and she still can't figure out what's wrong.
Just don't screw yourself up with something as expensive and unnecessary as this.
Hell I'd like to have one too and could get it tomorrow if I wanted to but I wouldn't do it for half the price.
That being said there are used parts here including supercharger systems for about half or close to new price and I really believe if I ever did this that's the route I'd probably take

 

Pay cash or don't do it!! As pointed out by another member above, if you pay borrowed big bucks for a FI system and blow your motor you are left with nothing but a payment that could go on for years, along with a healthy dose of self recrimination. If you don't have the cash in your toy fund then you can't afford it. Never, never use your living money for toys, bad move that can easily bite you in the ***. Just my personal opinion! Take care!

 

Forced induction is a big expense and a big commitment. Be prepared to upgrade your clutch, pin your crank, change your balancer and bolt, and possibly upgrade internal engine parts depending on your boost. With a Maggie you will also need a different hood and then fitting the hood, paint and installation. Then you will need a tune. You will probably need wider rims and tires in the rear to make use of the added power and not wreck your car. You may also need to increase the cooling system performance and replace and upgrade the system.

The cost of installation including parts: supercharger, clutch kit, flywheel, balancer, cooling system, rims, tires, tune, engine upgrades and incidentals plus possibly a different hood along with any repairs when you break stuff could exceed the value of your car. Add to this the interest expense on everything at probably a pretty high interest rate.

You also will limit the potential buyers when you sell it and negatively affect your car's value unless you have the work done by a well known Performance shop such as Lingenfelter.

Then there is the possibilty that you will reduce the reliability of your car.

If you don't intend on ever selling your car and do not use it as a daily driver then why not but I wouldn't do it unless I could pay for everything with cash. Most importantly, if this is a DIY project and a challenge that you are looking forward to then you should definitely.

 

If you go with the popular A&A and ECS kits, you don't need to upgrade the cooling system. The intercoolers that come with the kits do a great job, and unless you plan on doing road racing with the car...you don't need to upgrade anything. You don't need wider wheels or tires either, you can buy sticky enough tires in OEM sizes to use on the OEM wheels.

For anyone looking into a supercharger kit (A&A/ECS) all they need to worry about is the kit itself, a clutch, and installation. I'd recommend sticky tires because it helps to have a little common sense.

 

not worth it. I did it using a zero interest credit card. blower was 5200.00. installed with a blower cam and dyno tune was 8500.00 out the door. great power but you can live without it. sold the car and lost my azz.

 

There's a huge difference between financing something because you can't afford it, and financing something because there's no reason to pay all at once. If you have excess money and can get 0% interest financing, then go for it. You hear about all these people who bash others for using credit/financing, when a lot of times it makes more sense to use credit or finance.

I havent swiped my debit card for a purchase in years, 100% of my purchases go on my credit card. I get money back on it, have more security, build credit, and don't have to worry about interest since it's always paid off on time. Still, older people (and some younger people) frequently bash me for exclusively using credit.

I have never had a job that paid me more than $25k a year, yet I've owned 6 vehicles that were all paid for entirely by me, including my z06, I have a mortgage, phenomenal credit, diverse investments, and more cash in the bank than I honestly should. My z06 was completely paid for by the time I was 21, I'm 23 now.

If I was in the market for a supercharger, I would absolutely consider financing it with no interest. Stop listening to all the people who say "if you don't pay cash for it you shouldn't buy it." I agree to a point, if you can't reasonably afford to pay cash for it, financing is probably a bad idea. However, if you can pay cash for it, finance away.

I would much rather have $6000 in an investment account that I could get cash for in 3 days along with a $400 a month payment than have minimal money and no payment for multiple reasons. 1: I can make money off the $6000 I would have spent cash. 2 if my motor blows and I have no extra money on hand, I'm much more uncomfortable than if I have plenty of cash on hand, EVEN if it means making a payment on something I can't currently use. I can afford to make a $400 a month payment while my supercharger kit is up for sale to pay off the balance of what I owe. 3: if something comes up like I lose my job, I'm not in a bind to sell my supercharger kit for the first offer that comes my way, I can hold out for a more reasonable offer.

To me, the idea has potential to make sense. It isn't just about "$6000 all at once is hard to swallow" it's about how can I get the most out of my money. Modding a car is never a good investment in money, anything done to a car should be basically written off. Making the money go further and protecting yourself by having some money on hand making you money can make sense.

However, if you can't afford it and you're using financing as a means to afford it, then simply don't.

 

I would only do it if it's on a zero percent card and you pay it off within the specified time period. Even then, you'll never know what'll come up in the upcoming months, so financing something as unnecessary as car mods doesn't make a lot of sense.

 

Save and pay cash, you never really know what will come up during and after install from the extra hp and the heavy right foot you will develop.

Agree with others that if financing means points or other kickbacks from CC go for it, just don't incur any interest charges. You are going to loose enough $ just getting the sc you will never get back.

But it's fun

 

No way would I finance such a purchase such as this. Save and pay cash when you can. Like others said, other upgrades may be needed.

 

I did this for my 370z turbo kit3 years ago, it would have taken me a year to save the money otherwise at that itme in my life(7500 smakaroos, I installed, then $500 to tune), 0% interest for 18 months CC...you could get hit by a bus tomorrow...as long as the payment does not affect your other financial commitments, go for it, but I would not finance if it could put a financial burden on you at all, the payment must be purely part of your discretionary/disposable funds...just my 2c. I may do this for an AA kit as well, I have a 18 month no interest card coming in next week, there is a shop doing AA or ECS installed and tuned for 6150...add clutch, should be under 8gs...decisions...