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  #13  
Old 03-03-2011, 11:52 PM
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Re: Interest Rates

I just got 3.25% for 72 mos from BOA.
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  #14  
Old 03-04-2011, 12:45 AM
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Re: Interest Rates

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Originally Posted by mjw930 View Post
Interest rates are going to depend on a number of factors and with the incentive rates it's different by model. Laredo's get lower rates the Overlands with the incentives. The biggest factor will be your auto credit (different from your regular credit score). Posting the rate you got is pretty much useless considering the variables of credit worthiness and location.

Shop your local banks and the online sources like Capital One, Chase and up2drive.com (division of BMW). Get pre-approved and find out which has the best rate then tell your dealer the rate you have and let them see if they can beat it. Just make sure you do this all within 30 days of actually taking delivery or all the inquiries will end up lowering your credit score. If you shop rates then take out a new loan within 30 days (45 for some companies) all of the inquiries are grouped together and counted as one. If you do this more than 30 days then all of the inquiries that occurred before the 30 day cutoff will count individually and will drop your score, sometimes by as much as 20 points.
could you explain more on auto credit to credit score i thought the score was it, thanks
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Old 03-04-2011, 05:48 PM
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Re: Interest Rates

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Originally Posted by Tony007 View Post
Did you go direct or through the dealer?
I went direct. The rate is 2.99%, but they have an incentive that if you finance more than $30K (I think that's the magic number), they drop the rate to 2.76%. Actually, it might be if you use a "preferred dealer", they'll drop it down to 2.76%. A quick call to BOA will clear that up though.
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  #16  
Old 03-04-2011, 11:10 PM
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Re: Interest Rates

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Originally Posted by spiros View Post
could you explain more on auto credit to credit score i thought the score was it, thanks
http://www.smartcredit.com/blog/2010...-credit-score/

http://ficoforums.myfico.com/t5/Unde...oring/m-p/3684
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  #17  
Old 03-04-2011, 11:46 PM
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Re: Interest Rates


excellent info thanks never knew it existed.
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  #18  
Old 03-05-2011, 02:26 AM
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Re: Interest Rates

I got 2.95% for 60 months through my credit union. My dealer offered 2.8% as I was closing the deal.
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  #19  
Old 03-05-2011, 10:44 AM
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Re: Interest Rates

Great info! Thanks for sharing.
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  #20  
Old 03-05-2011, 01:28 PM
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Re: Interest Rates

2.94% through the dealer with compass bank
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Old 03-05-2011, 07:50 PM
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Re: Interest Rates

I got 1.9% 60 months from Bank of the West from my dealer.
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  #22  
Old 03-06-2011, 09:28 AM
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Re: Interest Rates

1.9% /60 Through Ally on an Overland last month.
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  #23  
Old 03-06-2011, 11:25 AM
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Re: Interest Rates

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Originally Posted by lweisenb View Post
1.9% /60 Through Ally on an Overland last month.
Was this financed through the dealer or did you get your own financing from Ally?
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  #24  
Old 03-06-2011, 11:13 PM
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Re: Interest Rates

now thats good, ill call tomorow.
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