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Message
re: Build my toyota estimates 9% finance rate for excellent
Posted on 8/13/25 at 9:34 pm to RichJ
Posted on 8/13/25 at 9:34 pm to RichJ
quote:
Not saying that your interpretation of your credit score is inaccurate, but it is very difficult to get a score of 730+ without having any open accounts. Ideally, for a high credit score, FICO likes a home mortgage, a vehicle loan, and credit cards with high limits & low balances. It's essentially a numerical evaluation of your likelihood to repay borrowed money and make payments on time.
I'm at ~850 and I have no mortgage, no vehicle loan, nothing. I run my personal expenses through a credit card and pay it off every month. I haven't carried a balance or paid a penny of interest toward anything in nearly 15 years.
0
Posted on 8/13/25 at 9:35 pm to bleedsgarnet
They depend upon people being lazy and not looking for better offers
Posted on 8/13/25 at 9:39 pm to RichJ
quote:
Unfortunately, most auto lenders/captives do not view credit karma positively, and usually use Equifax or Experian. It is not uncommon to see credit scores 60-120pts lower.
Credit karma 790 auto lender 831.
Posted on 8/13/25 at 9:40 pm to bleedsgarnet
2026 Nissan Altima, 0% down, got it for only 8,954 months at $10/month It’s an Altima so I’ll wreck it within 2 years and insurance will pay for everything.
You won’t get OT Rich if you don’t think outside the box.
You won’t get OT Rich if you don’t think outside the box.
Posted on 8/13/25 at 9:41 pm to W2NOMO
quote:
New Toyota 4Runner
My 5th gen laughs at your new 4 banger.
Posted on 8/13/25 at 9:42 pm to OKBoomerSooner
quote:
2026 Nissan Altima, 0% down, got it for only 8,954 months at $10/month It’s an Altima so I’ll wreck it within 2 years and insurance will pay for everything. You won’t get OT Rich if you don’t think outside the box.
Fix your fricking bumper a-hole. It keeps waving at me.
Posted on 8/13/25 at 9:43 pm to Rize
Sorry about that, he just gets excited to see you.
Posted on 8/13/25 at 10:15 pm to bleedsgarnet
Bought a Mazda and a genesis last month. 0% for 36 months through Mazda and 2% from genesis for 60 months. Louisiana federal credit union offered 5.9%.
This post was edited on 8/13/25 at 10:19 pm
Posted on 8/13/25 at 10:27 pm to bleedsgarnet
quote:
9%
quote:
That's a long way from .09
Posted on 8/13/25 at 10:29 pm to travelgamer
Yea bc everyone has $30k to spend on a car
Posted on 8/13/25 at 10:30 pm to W2NOMO
So you out $25k down, and still have a $450 note…
Wow.
Wow.
Posted on 8/13/25 at 10:35 pm to bleedsgarnet
That’s why you don’t finance through Toyota.
Posted on 8/13/25 at 11:09 pm to xBirdx
quote:
So you out $25k down, and still have a $450 note… Wow.
Your shite is starting to get old.
You’re either dumb or poor.
Probably both if I had to guess.
Posted on 8/13/25 at 11:22 pm to travelgamer
Unfortunately, this is the way.
Posted on 8/13/25 at 11:25 pm to bleedsgarnet
frick credit scores. I make 6 figures and have zero debt and my shite is dropping because I don’t have loans. It’s one of the biggest scams out there as far as financial institutions go
Posted on 8/13/25 at 11:28 pm to Rize
lol yea buddy, you got me figured out.
Just so r understand why you would put so much cash down, and still have a note.
Might as well buy used for a little more cash and be paid for.
To each his own though.
I’m sure you could buy 2 or 3 cash if you wanted Just out your checking account.
Just so r understand why you would put so much cash down, and still have a note.
Might as well buy used for a little more cash and be paid for.
To each his own though.
I’m sure you could buy 2 or 3 cash if you wanted Just out your checking account.
Posted on 8/13/25 at 11:36 pm to LSUFanHouston
quote:
They depend upon people being lazy and not looking for better offers
I did my research before. I started a thread on here and saw a lot of 5’s and 6’s and few guys in the 4’s. Once I saw 4% that was my goal
What’s funny is they told me mid 6’s when I asked interest rates
they were offering.
I told them I had sub 5 and they magically came back with 4.98.
This post was edited on 8/14/25 at 8:46 am
Posted on 8/13/25 at 11:40 pm to xBirdx
quote:
Yea bc everyone has $30k to spend on a car
Good advice I got from my mom was to never stop paying your car note and become your own financier. Instead of sending $600/mo over a 48 month period to the bank, save $300/month and never finance a car again.
Only time I financed a vehicle I was able to get a rate and discount by financing that actually made me money.
This post was edited on 8/13/25 at 11:45 pm
Posted on 8/14/25 at 12:07 am to xBirdx
quote:
lol yea buddy, you got me figured out. Just so r understand why you would put so much cash down, and still have a note. Might as well buy used for a little more cash and be paid for. To each his own though. I’m sure you could buy 2 or 3 cash if you wanted Just out your checking account.
Because they like nice cars? I haven’t driven a car I bought for less than 23k since I was 20 years old in 2001.
25k down is probably from a trade and cash but I don’t know his situation.
I put a bunch of money down and my note is $899 a month for 60 months if you’re keeping tabs on me. Seems like he made a really good decision compared to mine.
Posted on 8/14/25 at 12:13 am to W2NOMO
quote:
6.5% 72 mo. from Chase on Saturday for New Toyota 4Runner. Put $25k down. 825 score. Note $450 ish
they saw you comin..
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