A woman named Ms. Nae has gone viral after she purchased a 2025 Toyota Camry with no money down and agreed to a $599 monthly payment for the next 427 months, which is more than 35 years.
The video, posted by TikTok user @joethecarplug, has clinched over 1.3 million views and sparked widespread debate across social media, with many viewers expressing disbelief and questioning both Nae’s decision and the dealership’s willingness to approve such a deal.
In the video, Joe the Car Plug approaches Ms. Nae as she stands in front of the new Toyota Camry.
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@jothecarplug Nae came and got the toyota camry an hour after it arrived‼️#toyota #dreamcar ♬ Pretty Girls Walk – Big Boss Vette
He then asked, “Ms. Nae, how much did you put down?” “Zero down,” she replied while smiling.
“How much is your monthly payment?” he continued.“$599,” she replied.
As per a DD report, When the term of the loan was revealed, viewers were shocked, and questioned Nae’s understanding of the details before committing.
If accurate, the terms mean she would ultimately pay over $255,000 for the Camry across the 35 years. For comparison, Kelley Blue Book lists the base price of a new 2025 Toyota Camry at just under $30,000.
Online comments under the post have ranged from amusement to many being appalled about the deal.
One user said: “Finessed, not financed.” “Quarter million for a Camry is crazy,” another wrote.
Currently, skepticism around the video is widespread. Although Joe the Car Plug’s account claims to cater to clients with poor credit, viewers remain puzzled as to how such an unusual financing arrangement could be real.
Daily Dot highlighted comments from the account owner that seemingly contradict the claims in the video.
In one post, Joe’s account states, “We got competitive rates; we’re a #1 dealership with Capital One.” However, in another, he concedes, “You can’t even get a car loan for 10 years unless it’s a Lambo.”
Reports state that standard car payment plans typically range from 60 to 72 months, with some lenders also offering up to 96-month terms for certain buyers.
However, plans to extend beyond eight years are virtually unheard of, and ‘Capital One’, which Joe’s account claims to work with, typically caps loan terms around the 96-month mark.
Also, other comments from Joe’s account appear contradictory, and adds to the confusion. In one post, he suggests a customer is paying “like $1,500 for 140 months” with a 38% interest rate, though later in the same thread, he says the payment is actually in “the $300s.” In another video, the account then admits that at least one of its posts was simply a joke.
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Skepticism is mounting, and many viewers are eagerly awaiting clarification on the details behind this alleged 35-year loan, hoping for Ms. Nae’s sake that the deal turns out to be joke.
