"Wobbles the Mind" (wobblesthemind)
12/17/2016 at 09:44 • Filed to: Financing
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"Wobbles the Mind" (wobblesthemind)
12/17/2016 at 09:44 • Filed to: Financing | 0
| 6 |
* Note that “max term” is the highest amount of time you are able to obtain the “as low as” interest rate. Also note that interest rates are determined by which lending tier your FICO credit score places you into.
Credit Union #1
For Cars/Trucks Model Year 2012 and Newer
Max 48 months as low as 1.99% (100% financing available)
Max 65 months as low as 2.49% (100% financing available)
Max 75 months as low as 2.74% (100% financing available)
Max 84 months as low as 2.99% (100% financing available)
Model Year 2009-2011
Max 72 months as low as 2.99% (100% financing available)
Model Year 2006-2008
Max 60 months as low as 3.49% (100% financing available)
MY 2003-2005
Max 48 months as low as 5.49% (100% financing available)
MY 1995-2002
Max 36 months as low as 7.24% (100% financing available)
Classic Vehicles (Restored, MY 1994 and older)
Max 60 months as low as 8.74% (100% financing available)
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Credit Union #2
New Vehicles
Max 84 months as low as 2.25% (100% financing available)
* New Vehicle = Current model year or up to 2 model years older with under 25,000 miles.
Used Vehicles
Max 72 months as low as 2.25% (100% financing available)
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The only advice I have is pay the expense off as soon as possible. Whether it’s the day you sign or 1 month sooner than your loan term, the sooner the better. That includes “0% financing.” If you’re going to pay the expense off in 36 months then go ahead and finance either 36 months @ 2.25% APR or 84 months @ 2.25% APR. You want to buy something that’s double your annual income? Do whatever you want, you’re an adult. You can rationalize and argue any decision and find at least ONE supporter. Just get rid of any expense as quickly as you can and I’ll always be excited to see whatever it is you’re showing off.
FTTOHG Has Moved to https://opposite-lock.com
> Wobbles the Mind
12/17/2016 at 10:08 |
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This is making me feel pretty good about the 1.65%/60 mo. I got on my CPO Forester last year.
Phyrxes once again has a wagon!
> Wobbles the Mind
12/17/2016 at 10:14 |
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My CU rates were not super awesome, so I am buying my TDI replacement using Mazda’s in house which is Chase and they are offering 0% for most terms. I am financing themail full amount so I can use the VW cash to work on bills and refinancing my mortgage before rates spike.
Dru
> Wobbles the Mind
12/17/2016 at 10:27 |
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Those are some great rates. What CU do you use?
wiffleballtony
> Wobbles the Mind
12/17/2016 at 10:39 |
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I just pay in cash.
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Wobbles the Mind
> Dru
12/17/2016 at 10:59 |
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Kirtland Federal Credit Union and Sandia Laboratory Federal Credit Union. Both are local obviously and just announced they’ll be attempting to complete a merger this time next year!
JawzX2, Boost Addict. 1.6t, 2.7tt, 4.2t
> Wobbles the Mind
12/17/2016 at 16:31 |
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Tried to finance a used tractor at my local CU: “10%, 24months. We don’t care how good your score is.” Ended up paying cash, which hurt, but not as bad as those terms.