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2007 Kia Sedona Financing Offers

4 messages,  Last post on Jun 03, 2007 at 10:59 PM

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What is this discussion about? Kia Sedona, Car Financing, Van

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#2 of 4 financing offer by fishbreath Jun 03, 2007 (7:20 am)
Just about anything goes in this screwed-up world. The dealer I bought from told me the better my credit rating the better % rate I would get, well with a credit rating of over 800 I expected 2-4 % but no way it was like 6-7% so I paid cash instead and now I'm paying myself back.
#3 of 4 APR rates shell game by 11b33t Jun 03, 2007 (8:34 am)
You'll have to compare dealer financing (thru their preferred lending companies), banks, credit unions, and manufacture (Kia) to dealer or customer APR incentitives. Don't forget they put in the small print "pending approved credit" How do you plan on paying or financing your vehicle? Do you know your credit score?   You're right that the rates change quick so hedging your bets against it dropping to a lower % rate may backfire. Fishbreath was dead-on about having great credit but not getting a comparable APR. My own credit union (11 year customer) would only go 6.0% but KMFC (Kia) locked me in 3.5%!?   Use this tool for more info:   link title   Good info here to keep you on your toes. Good luck... Replies to this message: ranbro (Jun 03, 2007 10:59 pm)
#4 of 4 Re: APR rates shell game [11b33t] by ranbro Jun 03, 2007 (10:59 pm)
Replying to: 11b33t (Jun 03, 2007 8:34 am) That's a very good name for the game they play, shell game. And yes, I have checked my credit score, it's currently at 980, with a Vantage score at 970. We are hoping for 0% manufacturer financing, like Dodge Caravan. And, yeah, I get that the sharks will tell you anything you're stupid enough to believe, like, "you've got a great credit score, you qualify for dum-de-dum financing". Fortunately, my current transportation is still reliable for the foreseeable future, so I have no urgent need to play their game. I can wait & hope that their terms come closer to my terms before they run out of my specific vehicle. I skimmed over your link & it looks promising for opportunities, I'll check it out further with my financial manager (my wife). Thanks much for your input.

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