Is a $50,000 downpayment on a car too much?

Hello everyone I'm facing a cash vs debt dilema. I would like to purchase a car worth $100,000. My father is willing to give me $50,000 upfront to buy the car leaving me to take a loan for the remaining $50,000. I personally think $50,000 of my own money (or rather dad's) is too much to put out and think this doesn't make much financial sense. I'm currently weighing the option of taking a full loan for $100,000 over a 6yr term and keeping the $50,000 from my dad and investing it. Here are my 2 Options, which one is the better option:

OPTION 1: LOAN FULL AMOUNT ($100,000)

1) $100,000 Loan -12% APY Monthly Payment= $1995.02

-Total Interest over 6yrs= $40,761

- Total Repayment=$100,000 + $40, 761 Interest = $140, 761

However If I keep the $50,000 and invest it in a MMA at 5.5% (compounded monthly)I earn a total of $69,495.99 which can be used to offset the amount of the loan. Thereofre at the end of 6yrs:

My net cash outflo

Is a $50,000 downpayment on a car too much?

I think buying a $100K car is ridiculous. But the cost of financing the car has got to be more than whatever return on investment. Your calculations are incorrect. Even if the interest rate was compounded daily, there's no way you would make $69K off $50K in 6 years.

Why don't you just lease the vehicle? You're probably only going to keep the vehicle 2 years anyway.

Is a $50,000 downpayment on a car too much?

how about this... dont buy a car thats worth 100,000... instead buy a car thats worth 10-20 only.. that way u'd still have enough money to invest on whatever u like...

Is a $50,000 downpayment on a car too much?

Buy a cheaper car. Who needs a 100k car?

Is a $50,000 downpayment on a car too much?

100,000 for a car is a waste of money. Spend it on a down payment on a house that will pay you back in the long run. A car will depreciate and will never pay you back like a house can. Plus you can live in a house.

Is a $50,000 downpayment on a car too much?

YOU SILLY GOOSE - ONLY A FILTY RICH PERSON WOULD BUY SUCH AN EXPENSIVE CAR.

Is a $50,000 downpayment on a car too much?

The interest you would be earning in that time period almost equals the money you would already have for this car. I would just put the money towards the car and have less money earning negative interest. Why are you even buying a car worth 100k?