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LSUSUPERSTAR
USA Fan
TX
Member since Jan 2005
13786 posts

Best rates on new vehicles?
I see that Tacoma's have 0% 60 mths. The cash incentive is only $1750 so even at 2% it would be better to take the 0% on say a $45k truck. These are just general numbers right now, not dealing on anything.


PotatoChip
LSU Fan
Member since May 2014
1640 posts

re: Best rates on new vehicles?
I saw gmc advertising 0% for up to 72 months and no payments for 6 months. I assume that’s still going on.


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40
Robertson coach
LSU Fan
pville
Member since May 2019
175 posts

re: Best rates on new vehicles?
2.94% Neighbors (60 mo) is lowest I have seen in area (BR)


stewie
Central Florida Fan
Member since Jan 2006
3618 posts

re: Best rates on new vehicles?
Just bought a Subaru ... 63 months, 0% interest. No payment for 90 days.

GM had something similar.


Robertson coach
LSU Fan
pville
Member since May 2019
175 posts

re: Best rates on new vehicles?
Other posters, OP is asking about non-incentive rates to see if he should give up rebate for special APR or not, obviously majority of brands are offering 0%


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10
Awesome All Day
LSU Fan
Plaquemine, La
Member since Jul 2011
621 posts

re: Best rates on new vehicles?
quote:

The cash incentive is only $1750


That's extremely low. Most places are offering 6500-8000 in rebates and whatnot.

As of yesterday Neighbors had the lowest rate in BR of 3.19%.


LSUSUPERSTAR
USA Fan
TX
Member since Jan 2005
13786 posts

re: Best rates on new vehicles?
quote:

That's extremely low. Most places are offering 6500-8000 in rebates and whatnot.


On a Toyota Tacoma? Tell me where and I will buy it right now.

Like the other poster said, I'm looking at non-incenive rates.

Does anyone think now is the time to buy? I was originally planning on buying in December, but with promo 0% rates and 3 months no payment, that is only about a 3 month difference in time. I'm going to check my credit union at work tomorrow. I'm not seeing anything other than to take the 0% assuming the price is right.


Chad504boy
LSU Fan
Member since Feb 2005
140675 posts

re: Best rates on new vehicles?
Land Rover got that 0% dog


achenator
Member since Oct 2014
2095 posts

re: Best rates on new vehicles?
quote:

2.94% Neighbors (60 mo) is lowest I have seen in area (BR)


You can get substantially lower from Neighbors if you go through a dealer that uses them. I've seen 2.14 recently.


Taffeta
USA Fan
Baton Rouge, LA
Member since Dec 2012
765 posts

re: Best rates on new vehicles?
We financed a used car with neighbors 3 weeks ago at 2.3%


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USA
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LSUFootballLover
USA Fan
BR
Member since Oct 2008
2562 posts

re: Best rates on new vehicles?
Mercedes 0% as well FYI


Popths
LSU Fan
Baton Rouge
Member since Aug 2016
2380 posts

re: Best rates on new vehicles?
Pay cash


stewie
Central Florida Fan
Member since Jan 2006
3618 posts

re: Best rates on new vehicles?


Auburn80
Auburn Fan
Member since Nov 2017
1883 posts

re: Best rates on new vehicles?
Well, he's right. Financing a depreciable asset over 5 or 6 years is just silly. Always pay cash if you can, but if you do finance, don't do it for more than 3 years on a vehicle.

I'm looking at a $40K SUV right now for my wife. Buying it one year old with less than 20K miles takes over $10K off the price.


MikeBRLA
LSU Fan
Baton Rouge
Member since Jun 2005
12201 posts

re: Best rates on new vehicles?
quote:

Financing a depreciable asset over 5 or 6 years is just silly. Always pay cash if you can, but if you do finance, don't do it for more than 3 years on a vehicle


Even if the rate is lower than your cost of capital??? You completely ignored rate in the statement above. Rate is much more important than term.


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92
Awesome All Day
LSU Fan
Plaquemine, La
Member since Jul 2011
621 posts

re: Best rates on new vehicles?
quote:

On a Toyota Tacoma?


Oh no, my bad. Those were on GMC and Chevy. Didn't realize you were only looking Toyota.


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Chad504boy
LSU Fan
Member since Feb 2005
140675 posts

re: Best rates on new vehicles?
quote:

Mercedes 0% as well FYI



link?

0% is only 4 36 mos. Land Rover was doing long term 0% financing.
This post was edited on 5/15 at 11:14 am


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tke_swamprat
LSU Fan
Houma, LA
Member since Aug 2004
7097 posts

re: Best rates on new vehicles?
GM has 0% for 72 months if you wave the incentives. The incentives are knocking 10-12K off which is a better deal though.


FMtTXtiger
Member since Oct 2018
917 posts

re: Best rates on new vehicles?
Range Rover had 0% for 72 months as well.


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10
LSUTOM07
LSU Fan
Baton Rouge
Member since Dec 2011
747 posts

re: Best rates on new vehicles?
quote:

'm looking at a $40K SUV right now for my wife. Buying it one year old with less than 20K miles takes over $10K off the price.


If 40k is the MSRP you’re lying to yourself.


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