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Vehicle interest rates
Posted on 11/10/25 at 10:56 am
Posted on 11/10/25 at 10:56 am
Anybody that purchased a vehicle recently want to inform me on used and new interest rates in today’s climate? Assuming my credit score is above 800
19
Posted on 11/10/25 at 10:57 am to ccsavage21
Bugatti or Altima?
Posted on 11/10/25 at 10:58 am to Koach K
Full size truck
Posted on 11/10/25 at 10:59 am to ccsavage21
I’ve seen offers for 2.9% in commercials recently.
Posted on 11/10/25 at 10:59 am to ccsavage21
Used with good credit 10% or higher
New depending on car/truck , you can find 2.99
My note is 0 percent because i ga e them 19k cash first. I told them they wouldn't get the deal if they didnt give me 0%.
New depending on car/truck , you can find 2.99
My note is 0 percent because i ga e them 19k cash first. I told them they wouldn't get the deal if they didnt give me 0%.
This post was edited on 11/10/25 at 11:00 am
Posted on 11/10/25 at 11:03 am to ccsavage21
Get a loan from a credit union.
Posted on 11/10/25 at 11:07 am to ccsavage21
We used a financial psychic this time. They sit with you and are able to put things together in a way that makes the most sense for you family. A lot of people get stuck on what they want vs what's best for them. The FP can determine what will be best for you long term. They help with rates also but not specific details, more like where you should focus your energy.
Posted on 11/10/25 at 11:09 am to ccsavage21
7.9% is the quote at my bank.
2.9% is a gimmick, the seller is charged the remaining 5%.
2.9% is a gimmick, the seller is charged the remaining 5%.
Posted on 11/10/25 at 11:09 am to ccsavage21
Shop around
Some places are offering 2.9 and 15k off sticker on in stock full size trucks
Some places are offering 2.9 and 15k off sticker on in stock full size trucks
Posted on 11/10/25 at 11:09 am to Red Stick Tigress
quote:
Get a loan from a credit union.
This has not been a good deal as of late. I have two accounts with a credit union and they were not competitive. I need to check again.
Posted on 11/10/25 at 11:10 am to AtlantaLSUfan
quote:
2.9% is a gimmick, the seller is charged the remaining 5%.
Wut? The car companies own finance divisions that offer those rates as incentives
Posted on 11/10/25 at 11:13 am to ccsavage21
4.5 - 5.99% is about the best rate going around credit unions right now.
Dealers may have incentives that give you a lower rate but it usually means you get less off the price.
Dealers may have incentives that give you a lower rate but it usually means you get less off the price.
Posted on 11/10/25 at 11:20 am to OysterPoBoy
quote:
We used a financial psychic this time.
What is this?
Posted on 11/10/25 at 11:21 am to ccsavage21
Credit union around 4% on new and 0.5% or so higher on used.
If you're buying new, then check to see if the manufacturer's website to see if they have any promo offers on financing. Just depends on the make and model you're looking at.
Chevy's website shows they're running 0% for 36 months on Silverado. Toyota website shows they're running 0.99% for 72 months on 2025 Tundras and 2.99% for 72 on 2026 models.
If you're buying new, then check to see if the manufacturer's website to see if they have any promo offers on financing. Just depends on the make and model you're looking at.
Chevy's website shows they're running 0% for 36 months on Silverado. Toyota website shows they're running 0.99% for 72 months on 2025 Tundras and 2.99% for 72 on 2026 models.
Posted on 11/10/25 at 11:21 am to ccsavage21
Got a 6.24% on a used truck. EFCU
Posted on 11/10/25 at 11:34 am to Cosmo
quote:
Wut? The car companies own finance divisions that offer those rates as incentives
He's somewhat correct in that interest rates are what they are and manufacturers don't have a secret source of capital thats lower than SOFR. They basically just get you to overpay for the vehicle so they can buy down the interest. You could maybe get them to go cheaper if they're not subsidizing your interest rate, but practically thats difficult.
Posted on 11/10/25 at 11:38 am to ccsavage21
Just got used for 5.2 through the dealer. I usually buy and refinance through my credit union but I doubt they would beat 5.2. Was TD bank.
Posted on 11/10/25 at 11:46 am to ccsavage21
Last year Nissan tried pushing a 6% on me for a Frontier and I walked out. Went to Kia for a grocery getter and got 3.9%
Posted on 11/10/25 at 11:52 am to dyslexiateechur
quote:
EFCU
frick EFCU. Last time I used them they absolutely would not let me pay extra on my principal. They said they would. And they took my money. But never applied it to principal. They just pushed back my next payment due date. Then when I traded the vehicle in, I had a payoff quote in writing and a month after the deal was done they sent me a bill for another $300 for payoff. They are some slimy cocksuckers.
Posted on 11/10/25 at 11:53 am to ccsavage21
If you can’t pay cash, you can’t afford it. Not joking.
Why do you need a full size truck?
Why can’t you buy used?
Why do you have to have all the bells and whistles?
Again, why do you NEED a brand new full size truck?
Why do you need a full size truck?
Why can’t you buy used?
Why do you have to have all the bells and whistles?
Again, why do you NEED a brand new full size truck?
This post was edited on 11/10/25 at 12:49 pm
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