Interest

[nbleak21]

I got mine Around 5% through USAA earlier this month.
The last vehicle financed was Nov 2021 at 2.29% through USAA.
Times are rough now!

 

[scottybs]

Fox November Golf here but I’ll chime in, just bought my first Raptor, compared cash vs financing, my credit Union was @ 6.5%. Anyways, holding onto my 2016 F150 for my airport car so no trade in to put down, figure $90K vehicle is nearly $6k in interest a year. No thanks, straight cash for me. To each their own in their financial/material priorities.

 

[Winchester30]

People get so insulted over the dumbest things smh.

 

[RamseyF]

damn I am so glad I got my truck January last year at 1.9%. 5.9% looks like its about the average now. that adds a ton of interest over 5 years on a loan. damn. good luck finding at least 1% less makes a diff.

 

[xlover]

My dealer matched an outside offer for ~5.5 up to 72. Gonna go that route over cash as I still think I can a bit better than 5.5 return

 

[RamseyF]

not to mention if you pay it off early you'll save interest as well. even if you shave off 6 months to a year it can add up to 1-2 months car payment in interest.

 

[FoxNotch]

These threads always turn into a contest between the would-be financial advice givers and the humbraggers. Clown show for sure. But it's topic related. Best advice to the OP is to pick up the füçking phone. It's not a contest, it's what you can get given age, location, credit score, etc. What others pay is meaningless. So if you're going to have a useless thread, it might as well be a clown show. Woo-hoo.

That escalated quickly.

 

[alexhartang]

Im at 3.9 with an 801 credit score. Through Capital One.

 

[pauliodotnet]

Im at 3.9 with an 801 credit score. Through Capital One.

When did you get that. I’m high 820ish depending on which bank pulls the fico.

Capital one was at 5.89 for 72 months.
NFCU was at 5.04 for 72 months.

Dealer bought a point to get me to 4.89

 

[PlumbRaptor]

I got 1.93 for 72 on my f150 tremor 11 months ago frm a credi union thatis now 6.4 for that same loan. Did some poking around and found the guys on the super duty tremor forum are all using Armco credit union out of PA. Rates are pretty unbelievable at 3.2 for 60 and 3.4 for 72 but that doesnt include the .5% discount for new customers so 2.7 for 60 and 2.9 for 72. In the process of refinancing my raptor through them at those rates. Highly recommend checking them out. They are legit

Best dealer could find me was 5.45 for 60 with a 790s credit score