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  #13  
Old 12-02-2011, 10:43 PM
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Re: Rebates / incentives

Anyone have an idea of what the lowest interest rate available is if you take the custmer cash. Disclaimer says 0-3.9% will not be available if you take $1,000 customer cash. I am thinking of a 60 month term.
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  #14  
Old 12-02-2011, 11:39 PM
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Re: Rebates / incentives

3.49%
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  #15  
Old 12-03-2011, 12:38 AM
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Re: Rebates / incentives

^I'm assuming through jeep. I received all discounts and got 1.9% through my bank. Your personal bank should be able to do much better then 3.9
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  #16  
Old 12-03-2011, 01:08 AM
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Re: Rebates / incentives

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Originally Posted by ajs800 View Post
^I'm assuming through jeep. I received all discounts and got 1.9% through my bank. Your personal bank should be able to do much better then 3.9
Agreed. And you normally lose rebates if you finance thru the manufacturer (Ally?) ... Keep the rebates and get the loan elsewhere.
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  #17  
Old 12-03-2011, 06:43 AM
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Re: Rebates / incentives

I had 2.49% line up through my local credit union, but the dealership was able to get me 1.94% and I got all rebates.
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Old 12-03-2011, 04:05 PM
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Re: Rebates / incentives

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Originally Posted by ajs800 View Post
^I'm assuming through jeep. I received all discounts and got 1.9% through my bank. Your personal bank should be able to do much better then 3.9

Yes, I am talking about financing through Jeep (ally). So please help me understand the quote below that I copied from edmunds.com. The very last sentence where it states that APR must be fininaced through Ally. Is this true if you want to get the customer cash or if you want to use the jeep sponsored 0-3.9% APR?


"Customer Cash Restrictions:
$1000 Customer Cash is available towards leasing or retail purchases and may not be combined with 0% - 3.9% APR financing. APR must be financed through Ally Financial Inc. See participating dealer for details"
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Old 12-03-2011, 04:33 PM
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Re: Rebates / incentives

Quote:
Originally Posted by ajs800 View Post
^I'm assuming through jeep. I received all discounts and got 1.9% through my bank. Your personal bank should be able to do much better then 3.9
Yes, 3.49% through Jeep (ally) was what I was offered in October. I have a credit score of 860.
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Old 12-03-2011, 07:12 PM
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Re: Rebates / incentives

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Originally Posted by jgc4ever View Post
Yes, 3.49% through Jeep (ally) was what I was offered in October. I have a credit score of 860.

I thought FICO scores only went to 850!?!? Extra credit?
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Old 12-03-2011, 07:41 PM
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Re: Rebates / incentives

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Originally Posted by FreshAudi View Post
I thought FICO scores only went to 850!?!? Extra credit?
There's three different credit scores and 829 was my lowest. I thought 859 or 860 was my highest, but I can't remember for certain.
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Old 12-04-2011, 01:37 PM
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Re: Rebates / incentives

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Originally Posted by FreshAudi View Post
I thought FICO scores only went to 850!?!? Extra credit?
Yes the highest FICO credit score one could posssbly have is 850. It's called a FICO score because the three major credit reporting bureaus use a proprietary software model from Fair Isaac & Company to create it.

The three main credit reporting agencies may have different proprietary credit scoring models. For example, Equifax has an Equifax Risk Score which can range between 280~850. Experian has credit scoring model they call a VantageScore that is scaled from 500~990. Your FICO score from Equifax is called a BEACON score. From Experian it's called the Experian/Fair Isaac Risk Model. And Trans Union calls it an EMPIRICA® score. Many different websites sell credit scores to consumers, but only myFICO.com and Equifax.com sell actual FICO scores to consumers. In fact, you may be surprised to know just how many different credit scores are sold to consumers – most of which are never used by lenders.

You can find more information about your FICO scores from

http://www.myfico.com/crediteducation/creditscores.aspx

Or get a free credit reports and FICO scores from the US government mandated website;

https://www.annualcreditreport.com/cra/index.jsp This is the only site to go to for TRUELY FREE credit reports!

Also be aware that there is something called an Automobile Credit Score that just looks at your credit history dealing with previous auto payments. This might help out those who have never missed a car payment, but have other credit issues that may negatively effect there overall credit score.
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Old 12-05-2011, 08:44 PM
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Re: Rebates / incentives

I took the 1K and did some BS with the business manager. I told him another dealer offered me 2.0% financing. He said best he could do was 2.9. I got up to leave and he quickly dropped to 2.09%
I've done this with about every car I buy.. they can adjust.. just bring your poker face and be prepared to walk... only one time a dealer let me walk... they called 2 days later and offered the deal... I said thanks but no thanks, found another dealer who wanted my deal
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  #24  
Old 12-07-2011, 11:27 AM
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Re: Rebates / incentives

Check out TrueCar.com - I used this resource to get the BEST price possible for the 2012 Limited i recently ordered. I paid over $4,000 less than Kelly Blue Book "Fair Purchase Price" and 1200 below dealer cost.

Its worth a look - I was originally in the market for a 2011 used, but found them all to be pretty beat up, then found truecar and ended up getting new for 1000 bucks more..
Only thing was i had to travel 40 miles to the dealer that TrueCar said would honor the price.

TRUECAR.COM
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