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IBM/2SS/RS/LS3 · 09-02-2010, 02:50 PM

What rates are you getting?

I saw Capitol One at 2.67 for 36 and 2.7 for 60 a week ago and now their showing 3.5 on 36 and 3.88 for 60; WTF?

BofA is showing 3.35 for 60.

Mr_Draco · 09-02-2010, 03:12 PM

Quote:

Originally Posted by IBM/2SS/RS/LS3

What rates are you getting?

I saw Capitol One at 2.67 for 36 and 2.7 for 60 a week ago and now their showing 3.5 on 36 and 3.88 for 60; WTF?

Most banks rates change on the 1st depending on the federal rates (which also change on the 1st). Also some banks run "specials" that end on the last day of the month and on the 1st it goes back to their normal rates. What you are seeing is mostly one of these.

IBM/2SS/RS/LS3 · 09-03-2010, 07:42 PM

ttt

jrc1122 · 09-03-2010, 08:04 PM

I am willing to bet, some people don't want to give you such a financially intimate detail. Your rate is soley based on your credit.

Your rate would be a indication of your bill paying habits, and debt to income ratio, and how close my current open credit levels are to their max.

These are things that aren't nessarily something that people typically want to spread around. Some don't mind, some do.

It is kinda like starting a thread saying How much money did you make last year. You may be suprised just who makes what, but most people don't want to plaster that detail to a bunch of strangers on the internet.

jrc1122 · 09-03-2010, 08:07 PM

I was excited about a tax refund amount I was getting. I shared. I stated what I paid in, and how much of that I was getting back. So did many others, but then people started saying stuff like:

You are dumb to over pay.
that's all you are getting back.
You must be in such and such bracket.
You have people guessing your incomes.

It just becomes weird to have complete strangers so interested in your money.

IBM/2SS/RS/LS3 · 09-03-2010, 08:33 PM

I guess I should have asked "What kind of rates are you finding?"

Got back onto Capitol One today and their back at 2.7 for 36 and 3.07 for 60.

oldfriend · 09-03-2010, 08:35 PM

Quote:

Originally Posted by IBM/2SS/RS/LS3

What rates are you getting?

I saw Capitol One at 2.67 for 36 and 2.7 for 60 a week ago and now their showing 3.5 on 36 and 3.88 for 60; WTF?

BofA is showing 3.35 for 60.

In few words shop around and then do more of the same till you get what you want !!!!

jrc1122 · 09-03-2010, 08:36 PM

no worries, man, I don't take offense to the question, I was just trying to provide some insight on why you may not be getting responses on this topic.

Dieseldummy · 09-03-2010, 11:12 PM

IBM I got 3.99 for 72.

vinman · 09-04-2010, 01:03 AM

I got 3.94 and my credit is above 800. anyone get 0%?

nards444 · 09-04-2010, 02:04 AM

the shorter you borrow for rates are usually lower, I got 3.99 for 48 from Pen Fed.

20Camaro11 · 09-04-2010, 02:23 AM

4.09/ 48mo from BOA which is still better than than the bank I use for checking/savings would offer me. I have good credit....so I have been told by every car dealer I go to.

Slowhawk · 09-04-2010, 08:04 AM

I got 3.4% for 72months at my local Credit Union. They all vary. The interest is good enough for what I need it for. $15k and will be paid off in 1 year.

IBM/2SS/RS/LS3 · 09-08-2010, 12:23 AM

Locked in at 3.02%/60 with Capitol One (blank check)

09-02-2010, 02:50 PM	#1
IBM/2SS/RS/LS3 NorCal Camaro➎ Member Drives: Bowties ONLY!! Join Date: May 2009 Location: Nor☆Cal Posts: 1,768 View My Garage	Financing What rates are you getting? I saw Capitol One at 2.67 for 36 and 2.7 for 60 a week ago and now their showing 3.5 on 36 and 3.88 for 60; WTF? BofA is showing 3.35 for 60. __________________

09-03-2010, 07:42 PM	#3
IBM/2SS/RS/LS3 NorCal Camaro➎ Member Drives: Bowties ONLY!! Join Date: May 2009 Location: Nor☆Cal Posts: 1,768 View My Garage	ttt __________________

09-03-2010, 08:04 PM	#4
jrc1122 Drives: 2012 Mustang GT Join Date: May 2009 Location: Abilene, TX Posts: 1,358	I am willing to bet, some people don't want to give you such a financially intimate detail. Your rate is soley based on your credit. Your rate would be a indication of your bill paying habits, and debt to income ratio, and how close my current open credit levels are to their max. These are things that aren't nessarily something that people typically want to spread around. Some don't mind, some do. It is kinda like starting a thread saying How much money did you make last year. You may be suprised just who makes what, but most people don't want to plaster that detail to a bunch of strangers on the internet. __________________ 2012 Mustang GT Premium Performance White 6-speed Manual

09-03-2010, 08:07 PM	#5
jrc1122 Drives: 2012 Mustang GT Join Date: May 2009 Location: Abilene, TX Posts: 1,358	I was excited about a tax refund amount I was getting. I shared. I stated what I paid in, and how much of that I was getting back. So did many others, but then people started saying stuff like: You are dumb to over pay. that's all you are getting back. You must be in such and such bracket. You have people guessing your incomes. It just becomes weird to have complete strangers so interested in your money. __________________ 2012 Mustang GT Premium Performance White 6-speed Manual

09-03-2010, 08:33 PM	#6
IBM/2SS/RS/LS3 NorCal Camaro➎ Member Drives: Bowties ONLY!! Join Date: May 2009 Location: Nor☆Cal Posts: 1,768 View My Garage	I guess I should have asked "What kind of rates are you finding?" Got back onto Capitol One today and their back at 2.7 for 36 and 3.07 for 60. __________________

09-03-2010, 08:36 PM	#8
jrc1122 Drives: 2012 Mustang GT Join Date: May 2009 Location: Abilene, TX Posts: 1,358	no worries, man, I don't take offense to the question, I was just trying to provide some insight on why you may not be getting responses on this topic. __________________ 2012 Mustang GT Premium Performance White 6-speed Manual

09-03-2010, 11:12 PM	#9
Dieseldummy Drives: 2011 2SS Imperial Blue Join Date: Aug 2010 Location: Aurora, CO Posts: 77	IBM I got 3.99 for 72. __________________

09-04-2010, 01:03 AM	#10
vinman The BBOMG fill-in husband Drives: 2015 2SS/RS 1LE AKA V1LE Join Date: Aug 2010 Location: Elmira, NY Posts: 4,458 View My Garage	I got 3.94 and my credit is above 800. anyone get 0%?

09-04-2010, 02:04 AM	#11
nards444 Drives: 1SS/RS Black Join Date: May 2009 Location: New york Posts: 2,123 View My Garage	the shorter you borrow for rates are usually lower, I got 3.99 for 48 from Pen Fed. __________________ 2010 1SS/RS Black, CGM stripes, polished Rims, Tinted windows, Hurst shifter

09-04-2010, 02:23 AM	#12
20Camaro11 Drives: SS Join Date: Aug 2010 Location: not here Posts: 655	4.09/ 48mo from BOA which is still better than than the bank I use for checking/savings would offer me. I have good credit....so I have been told by every car dealer I go to.

09-04-2010, 08:04 AM	#13
Slowhawk Drives: 1999 Trans Am Join Date: Jul 2009 Location: Bridgewater,Ma Posts: 2,017	I got 3.4% for 72months at my local Credit Union. They all vary. The interest is good enough for what I need it for. $15k and will be paid off in 1 year.

09-08-2010, 12:23 AM	#14
IBM/2SS/RS/LS3 NorCal Camaro➎ Member Drives: Bowties ONLY!! Join Date: May 2009 Location: Nor☆Cal Posts: 1,768 View My Garage	Locked in at 3.02%/60 with Capitol One (blank check) __________________

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