EARLY 2012 Ford Raptor Finds ?????

[SCelebs]

Work on getting your credit in line so you can get the lowest rate possible. That will determine a lot of what your payment will be.

Sale price $41,308.62
Tax $2581.79
License and fees $338.82
I'll be financing the entire amount which is $44,229.23 @ 2.8% for 72 months and $0 down. Payments will only be $668.05.

If my rate was at something like 5.5%, I'd be paying $722.61 a month.

Rate is everything! I'd rather keep my down payment for investments. Considering most investments earn MUCH more than 2.8%.

nice interest rate, mine was around 3.2% Did it for 60 months.

 

[ThugHunter]

nice interest rate, mine was around 3.2% Did it for 60 months.

It helps to have a wife in the business. She does financing for the dealership and gets the most up to date rates offered. I'm also not gonna get hit with a buy rate increase like most people are clueless about when financing through a dealer. A buy rate for people who don't know is the rate the bank approves you at. The dealer then bumps the rate a point or so. Example: You finance through the dealer and dealer tells you that you were approved at a rate of 4.9%. What they avoid to tell you is that the bank really approved you at 3.9% and the dealer just made 1%. It's legal too!

It's always better to get your own financing through a credit union. They typically offer the best rates.

 

[A.I.I.Raciing]

It helps to have a wife in the business. She does financing for the dealership and gets the most up to date rates offered. I'm also not gonna get hit with a buy rate increase like most people are clueless about when financing through a dealer. A buy rate for people who don't know is the rate the bank approves you at. The dealer then bumps the rate a point or so. Example: You finance through the dealer and dealer tells you that you were approved at a rate of 4.9%. What they avoid to tell you is that the bank really approved you at 3.9% and the dealer just made 1%. It's legal too!

It's always better to get your own financing through a credit union. They typically offer the best rates.

I've heard some pretty shady shit about car dealer's, and have had some good luck buying up to this point, but this is something new to me!

How do we find out if the dealer is ******** us on interest rates like you mentioned?

 

[ThugHunter]

I've heard some pretty shady shit about car dealer's, and have had some good luck buying up to this point, but this is something new to me!

How do we find out if the dealer is ******** us on interest rates like you mentioned?

Ask what bank you were approved through and then ask if you can have a minute to call them to verify the rate. If the finance person you are working with hesitates, well....you know there's a good chance you are getting a buy rate increase. Call them out on it.

 

[SCelebs]

Pretty sketchy. I went into my dealer approved through USAA and ended up going with a local bank that the dealer found for me that got me from 3.8 to 3.2% They were a great dealer though, at least for sales. They have some idiots working in the service center.

 

[Baldwin09]

Nothing on the Front E-Locker "AS AN OPTION"
But if it's part of the build, that would not show up. (till I can actually build a 2012 Raptor and submit the order)

randy

Thanks randy when do you think you will be able to put an order in for a 2012

 

[FX4life]

credit shouldn't be to big of an issue, hopefully. Last I checked a credit score/report on myself it was in the 'excellent' category. I'd like to get a low rate like thughunter for 72 mo, but would prefer a low rate 60 mo. I have not looked that hard into the financing yet, I should be though. I have been nitpicking what I wanted... that deal has been sealed with race red in the mix. I didn't think fomoco financnig offered any type of incentive for financing a raptor through them, or offered a 0% for 60 on a raptor...

There is next to no doubt I will be going somewhere else than my local dealers to get it. Likely I'll see what Randy or other dealers who have been posted on here can do then drive to get it. Dealer here is selling screw raptors for 56-58k, 'no haggling, its not allowed on SVT vehicles' per one of their fine salesmen.

Hell i saw 3 raptors just yesterday at a local restaurant... 3 raptors, side-by-side, in 6 parking spaces.. nearly caused a hell of a wreck breaking my neck when I noticed them

 

[BIRDMAN]

Work on getting your credit in line so you can get the lowest rate possible. That will determine a lot of what your payment will be.

Sale price $41,308.62
Tax $2581.79
License and fees $338.82
I'll be financing the entire amount which is $44,229.23 @ 2.8% for 72 months and $0 down. Payments will only be $668.05.

If my rate was at something like 5.5%, I'd be paying $722.61 a month.

Rate is everything! I'd rather keep my down payment for investments. Considering most investments earn MUCH more than 2.8%.

I can't imagine anyone paying over $800 a month unless they have really bad credit or are doing short term financing. $900 a month and you're either rolling negative equity into the new loan or you have really **** poor credit.

that is a phenomenal rate for zero down on a 72mo loan

 

[ThugHunter]

that is a phenomenal rate for zero down on a 72mo loan

You're rate should not have anything to do with the amount of money you put down. The advertised rate through my credit union is 3.9% for 72 months, but if you've been a member in good standing for a period of time they give you an even lower rate. They lower even more when you apply online, which is why I qualify for 2.8%
https://www.rbfcu.org/NB/landing/LowRateAutoLoans.htm
https://www.rbfcu.org/NB/html/Reference/Rates/ConsumerRates.htm

I just need Ford to hurry up and build my damn truck, so I can get preapproved and lock into this rate.

 

[BIRDMAN]

You're rate should not have anything to do with the amount of money you put down. The advertised rate through my credit union is 3.9% for 72 months, but if you've been a member in good standing for a period of time they give you an even lower rate. They lower even more when you apply online, which is why I qualify for 2.8%
https://www.rbfcu.org/NB/landing/LowRateAutoLoans.htm
https://www.rbfcu.org/NB/html/Reference/Rates/ConsumerRates.htm

money down most certainly does help the rate. if you go in to a car loan with equity the banks are more willing to deal.