DrDing.Muscle
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Navy Federal offers 2.29% on 72 months.
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What is your auto loan interest rate and which lender did you use?
DrDing.Muscle
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I don't know how this is possible as right on their website it has their rates and it is not this. When I got my loan back in July it was not this either because I called USAA to get a loan and with excellent credit I was given the rate shown on their website. Even with the .25% off for automatic payments that still puts it over 1.99 on 72 month loans.
shawndean22
Well-Known Member
0% for 72 months through for motor credit. cant beat using the banks money free, one of the reason i bought the car earlier than expected.
CM581978
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How much down are you guys putting down as well?
Zemedici
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8500 cash
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gunbunnysoulja
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I could of put money down but at 1.75% I wasn't overly motivated to. Downside is I'll instantly be upside down on the car, and if I wreck it I'll have to cover some (no gap insurance), but outside of those scenarios, I'm not too worried.
Legionofone
Well-Known Member
No down on mine, just trade in, 27K financed on a 34.5K MSRP
gunbunnysoulja
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Do those who trade-in typically make out better than selling the car on your own? I would assume dealerships would rape people on their value. I typically sell privately, but I'm just assuming.
rvlyssup
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FMC @ 1.9 for 60m.
$0 down.
835 Auto FICO.
Purchased end of 3/15.
$0 down.
835 Auto FICO.
Purchased end of 3/15.
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Tamadrummer88
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Traded in my 2011 Taurus, put 3k down. was about 1k negative on my trade. 3.6% @72 months. 719 credit score. Instantly upside down, but gonna get rid of the negative in about a year or two. I have GAP in case of an accident and the car gets written off so not too worried.
gunbunnysoulja
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What is the best rate your bank offers? 719 is definitely a decent score, so I'm surprised to see 3.6%. Although I know rates vary from bank to bank.
On a 25k loan, the difference between my 1.75% rate and your rate is about $1500 on a 72 month loan.
Cascadia_302
Member
72 @ 0% from Ford
CM581978
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Doing the math, I really don't feel comfortable with a car payment any higher than $350 a month. If I were to lose my job, it would be rough.
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