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Started By
Message
re: Car finance rates for new and used cars.
Posted on 8/9/25 at 10:29 pm to LemmyLives
Posted on 8/9/25 at 10:29 pm to LemmyLives
You need to calm down
0
Posted on 8/10/25 at 4:28 am to Rize
Bought two SUV’s in the last month. One dealer offered 2% and the other offered 0%. Two credit unions I checked were 4.9 and 5.9%.
Posted on 8/10/25 at 4:33 am to Rize
I got 4% through Nissan last month.
Posted on 8/10/25 at 4:36 am to Rize
quote:
my wife doesn’t want to have her car outside of warranty.
So get a route 66 extended warranty next time maybe. No personal experience but have been told good things about it from my mechanic. Of course I just decided to pull the trigger on the truck for some of the same reasons. I knew repairs were going to start costing and didn't feel like sinking money into fixing when I have been ready to upgrade for a few years now anyway.
Posted on 8/10/25 at 4:45 am to Rize
Pay cash = 0% interest that’s what I do. Now if finance rates were 0% then I’d consider it.
Posted on 8/10/25 at 5:16 am to ultratiger89
The 0% is never free…. Usually it’s 0% or $x rebate. I always take the rebate.
Posted on 8/10/25 at 6:25 am to Rize
do your home work before you go to dealer
Focus on buying a reliable vehicle and not just the car with best finance rate
Make sure you know how to negotiate best price and do it
Check credit unions- if you don't belong to one check Navy and Penfed- you can join either-
Plan to drive the wheels off of the vehicle and put vehicle reliability above whistles and bells and what is trendy
Focus on buying a reliable vehicle and not just the car with best finance rate
Make sure you know how to negotiate best price and do it
Check credit unions- if you don't belong to one check Navy and Penfed- you can join either-
Plan to drive the wheels off of the vehicle and put vehicle reliability above whistles and bells and what is trendy
Posted on 8/10/25 at 8:11 am to Rize
2.9% on a new truck. 7.6% on a used truck. Passed and bought the new truck. Paid $9000 more with full warranty. In the end, spent $3000 more for piece of mind.
Posted on 8/10/25 at 8:35 am to LSUSports247
quote:
Usually it’s 0% or $x rebate. I always take the rebate
I pay cash=0% after rebate.
This post was edited on 8/10/25 at 8:37 am
Posted on 8/14/25 at 3:39 pm to LemmyLives
LMAO...who said anything about being in debt?
You dont know mine nor anyone else's financial situation...clearly you purchasing a car puts you in debt though so you do you and stay strong with what you drive and force your wife and kids to drive a junker because that's what makes you a strong man and not a bitch!
You dont know mine nor anyone else's financial situation...clearly you purchasing a car puts you in debt though so you do you and stay strong with what you drive and force your wife and kids to drive a junker because that's what makes you a strong man and not a bitch!
Posted on 8/14/25 at 3:54 pm to Rize
quote:
My warranty is about to run out on my car and my wife doesn’t want to have her car outside of warranty
I sometimes forget that the average American is a financial retard. Then I see posts like this.
Posted on 8/14/25 at 3:59 pm to Rize
The Finance Department of a car dealership is a huge profit center.
Our government allows a car dealership to mark up finance rates 3% points.
ex: if you qualify for 5%, the Finance Mgr lawfully can “ sell “ you the loan at 8%. Plus, all the other BS they offer.
A good auto finance manager makes $150K - $300K.
Our government allows a car dealership to mark up finance rates 3% points.
ex: if you qualify for 5%, the Finance Mgr lawfully can “ sell “ you the loan at 8%. Plus, all the other BS they offer.
A good auto finance manager makes $150K - $300K.
Posted on 8/14/25 at 4:03 pm to Rize
quote:
My warranty is about to run out on my car and my wife doesn’t want to have her car outside of warranty. Plus I think she just wants a new car.
Go with that and not the warranty thing.
Or, keep that car and pay yourself the note. If can afford the note, then can afford to save the note. Build the cash to put towards next vehicle. Chip away until can pay cash.
Huge wealth builder over time.
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