• Dream about a turbo E46 M3 but are not sure how to pay for it? Horsepower freaks in house financing has you covered

      We all know M3 turbo kits do not come cheap. Fortunately, Horsepower Freaks has financing solutions that can make turbo dreams a reality. Their financing only applies to installations done in house (at their facility). Their financing will cover up to 50% of the cost including the install and labor, pretty nice. Payments are spread over 12 months and interest is set at 5%. On stages 2.5 and up 18 month financing options are available. Payments start the next month after the car leaves the facility. What are you waiting for? Go get your turbo!

      This article was originally published in forum thread: Dream about a turbo E46 M3 but are not sure how to pay for it? Horsepower freaks in house financing has you covered started by Sticky View original post
      Comments 39 Comments
      1. mazdaspeed6's Avatar
        mazdaspeed6 -
        Haha how funny.. Great idea but just the thought of financing a turbo kit
      1. Sticky's Avatar
        Sticky -
        Click here to enlarge Originally Posted by mazdaspeed6 Click here to enlarge
        Haha how funny.. Great idea but just the thought of financing a turbo kit
        I don't see anything wrong with the idea of financing it. I wish I could have financed all my parts. Much more money would be in my pocket.
      1. GG///M3's Avatar
        GG///M3 -
        Click here to enlarge Originally Posted by mazdaspeed6 Click here to enlarge
        Haha how funny.. Great idea but just the thought of financing a turbo kit
        Exactly
      1. bluejeansonfire's Avatar
        bluejeansonfire -
        Click here to enlarge Originally Posted by Sticky Click here to enlarge
        I don't see anything wrong with the idea of financing it. I wish I could have financed all my parts. Much more money would be in my pocket.
        ...maybe now, in 12 months you'll have 5% less of that wallet-padding... but hopefully you'll have made enough more to offset the difference
      1. Sticky's Avatar
        Sticky -
        Click here to enlarge Originally Posted by bluejeansonfire Click here to enlarge
        ...maybe now, in 12 months you'll have 5% less of that wallet-padding... but hopefully you'll have made enough more to offset the difference
        I'm dealing in fairly large amounts and it isn't exactly fun to deliver huge wads of cash all at once. I would much prefer spaced out payments to keep more money for myself that can be making money in other areas to offset that 5%...
      1. bluejeansonfire's Avatar
        bluejeansonfire -
        Click here to enlarge Originally Posted by Sticky Click here to enlarge
        I'm dealing in fairly large amounts and it isn't exactly fun to deliver huge wads of cash all at once. I would much prefer spaced out payments to keep more money for myself that can be making money in other areas to offset that 5%...
        trust me, i know. And I've never dropped e92 cash. When I purchased my turbo kit and paid for machinework for the m54, those were my biggest cash drops over my e46. It hurt both times, and I'm certain you drop much heftier amounts given dsg, and e92 and the cost of other wrenching on your stuff. HPF makes great stuff, and it's a great deal, regardless of financing. And yes, this will make the kit more accessible. So financing might make the experience more doable, but it does cost more.
      1. Sticky's Avatar
        Sticky -
        Click here to enlarge Originally Posted by bluejeansonfire Click here to enlarge
        trust me, i know. And I've never dropped e92 cash. When I purchased my turbo kit and paid for machinework for the m54, those were my biggest cash drops over my e46. It hurt both times, and I'm certain you drop much heftier amounts given dsg, and e92 and the cost of other wrenching on your stuff. HPF makes great stuff, and it's a great deal, regardless of financing. And yes, this will make the kit more accessible. So financing might make the experience more doable, but it does cost more.
        I agree with you. The main thing is flexibility. This provides people with another option and HPF should be applauded for offering it, especially in house. I don't see any other BMW tuners doing it or any big German tuners for that matter.
      1. n54BoostOnCoke's Avatar
        n54BoostOnCoke -
        That's very very nice !
      1. jacobs323i's Avatar
        jacobs323i -
        it is perfect for some people that have a hard time saving! This makes it perfect for them to be just able to pay it off little by little and not have to save up for the huge lump sum!Click here to enlarge
      1. DBFIU's Avatar
        DBFIU -
        I think it's a great idea.
      1. dzenno@PTF's Avatar
        dzenno@PTF -
        I think this is not a bad idea at all...
      1. Forced Air's Avatar
        Forced Air -
        $#@!. Someone tell them not to finance any of the up coming N54 kits....I have very little self control when it comes to expensive car parts. Click here to enlarge
      1. boostaholic's Avatar
        boostaholic -
        I personally think this is a good idea for the right customer. First off, someone that needs financing on their turbo kit most probably have their vehicles that they are putting their turbo kits on, financed. So your going to have your normal car payment (x amount) AND your going to have your performance parts that are on that car payment financed as well... Seems to me this is going to get some people in trouble financially since there basically going to be having two car payments on one car. Does anyone see my point? Now on the other hand if somebody has their car paid off and doesnt have quiet enough for what they want there car to be, then yes this is a great idea. For HPF to be offering this is amazing in itself and definently give them props. They are one of the top tuners in the country, well really the world! So more power to them! I can just see certain customers getting there self in a mess if you know what I mean... Very cool though and major props to HPF.
      1. Irishace's Avatar
        Irishace -
        This is everything wrong with the American economy right now, financing what could be argued as frivolous or nice to have makes absolutely no sense at all for the average consumer. Not every enthusiast is dripping with cash, I think HPF is lining up for a lot of defaults.
      1. HPFBranden's Avatar
        HPFBranden -
        Click here to enlarge Originally Posted by Irishace Click here to enlarge
        This is everything wrong with the American economy right now, financing what could be argued as frivolous or nice to have makes absolutely no sense at all for the average consumer. Not every enthusiast is dripping with cash, I think HPF is lining up for a lot of defaults.
        We've been doing this already for the past few years...not one defaulted account to date.
      1. klipseracer's Avatar
        klipseracer -
        Click here to enlarge Originally Posted by HPFBranden Click here to enlarge
        We've been doing this already for the past few years...not one defaulted account to date.
        Thats good to hear, impossible to keep it that way forever unfortunately, but being reasonable and working with people is probably a good way to keep that number down.
      1. Sticky's Avatar
        Sticky -
        Click here to enlarge Originally Posted by klipseracer Click here to enlarge
        Thats good to hear, impossible to keep it that way forever unfortunately, but being reasonable and working with people is probably a good way to keep that number down.
        I seriously doubt they just give anyone financing. You have to come up with a chunk of cash first. They have nothing to be scared of.
      1. Sticky's Avatar
        Sticky -
        Click here to enlarge Originally Posted by Irishace Click here to enlarge
        This is everything wrong with the American economy right now, financing what could be argued as frivolous or nice to have makes absolutely no sense at all for the average consumer. Not every enthusiast is dripping with cash, I think HPF is lining up for a lot of defaults.
        Why would they be?

        Monetary options are nice. This opens the door up to more people. What, you paid for your car in straight cash? BMW doesn't seem to worry about the large portion of their cars being leased. Financing is a huge part of our monetary system. I think a lot of people have mortgages because they would not otherwise be able to afford to buy their homes.
      1. HPFBranden's Avatar
        HPFBranden -
        Click here to enlarge Originally Posted by Sticky Click here to enlarge
        I seriously doubt they just give anyone financing. You have to come up with a chunk of cash first. They have nothing to be scared of.
        Thats correct, we do require 1/2 of the money up front before we even start the work on the car.
      1. Sticky's Avatar
        Sticky -
        Click here to enlarge Originally Posted by HPFBranden Click here to enlarge
        Thats correct, we do require 1/2 of the money up front before we even start the work on the car.
        Heh, just kind of funny some guys are trying to tell you how to finance. I doubt Chris is accepting IOU's scribbled on post it notes.