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Smart Shopper Credit Scores and Vehicle Financing
945 messages, Last post on Dec 06, 2009 at 9:30 AM
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Replying to: basscadet (May 27, 2008 2:08 pm) Not only in jobs and residences but in loans as well. I would wait and get your score up to where it will really make a difference. Even if that means you have to keep your current car for another year. |
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Replying to: basscadet (May 27, 2008 2:08 pm)
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Replying to: joel0622 (May 30, 2008 10:51 am) Update: Without any prompting Roadloans changed their mind and sent me an approval notice contigent upon trade of my current car. It is 2% higher than my loan a year ago. Very confusing. 8 months of on time payments and they want a higher interest rate? I'm going to wait past the year mark and then go to a dealer to try this again. All I expect is a rate equal to the one I had last year.
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Replying to: basscadet (May 30, 2008 11:03 am) Not an unreasonable expectation give the fact that prime is about 3% lower than it was 8 months ago. Unfortunately lenders are not as keen on less than prime borrowers as they were even last year.
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Replying to: grandtotal (May 30, 2008 11:28 pm) It makes me wonder if I should bother waiting past the 1-year mark on my current loan before trading in. |
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| Does anyone know what the lowest interest rate is thru toyota on a new Prius 60 month loan? I recieved a 5.5, I know this is lower than the local credit union but Ihavent been able to find what Toyota rates are on the Prius. | |
not sure where to post this, hope its ok, i had got a dodge caliber se (basic,basic model) 2007 when they first came out and had decided to go with a lease. sticker price was 15,000. I had put 3,500 down love the low payment and i do like the car, problem is now my lease is up in march. I know chrysler is not going to offer anymore lease programs and they have sent me a letter to offer me certain "incentives" to turn it in early. my problem is on the lease it says the buyout is around 13,000, which to me is way to high being i already payed 3,500 and plus 27 months at 80.00 a month. what confuses me is on my chrysler financial site the buyout say 11,000. so does anyone know if i can negotatiate the buyout price since i am no longer to lease a different vehicle, or if the actual buyout price normally varies from the lease agreement and chrysler financial. I would like as much info as possible so i know what to say when i go in to negotiate with them, also i would like to know if they are trying to screw me over because the salesman was a tool. sorry for the lengthy post. thank you anyone that can help.
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Does a credit score effect the money factor when leasing a car?
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Replying to: debra824 (Aug 18, 2008 7:53 pm) Reason I ask is because all of your payments total right around $2k. So I'm wondering if the total cap cost wasn't $13k and residual $11k. I don't know what rate you got, but you basically paid $5660 over the life of the lease. Maybe $800 of that was fees. I have no idea if you paid a security deposit. I don't know what your tax rate is, etc. So pretty much impossible to know if you "got screwed." |
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