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Old 03-07-2011, 07:23 PM   #1
SUX2BU
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What are GMAC's interest rates lately?

I know GMAC is now Ally, we have the wife's Caddy through them right now. I tried googling to see what their new car rates are but i came up empty handed.
We got approved for 3.24% through our credit union today and my vert should be here hopefully this week or next. Anybody get a loan through GMAC/Ally lately and care to share what their rates are?
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Old 03-07-2011, 07:26 PM   #2
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I know GMAC is now Ally, we have the wife's Caddy through them right now. I tried googling to see what their new car rates are but i came up empty handed.
We got approved for 3.24% through our credit union today and my vert should be here hopefully this week or next. Anybody get a loan through GMAC/Ally lately and care to share what their rates are?
On the Camaro specifically the rate i was offered through them with excellent credit was 3.99 back on Dec 31. Not sure about today
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Old 03-07-2011, 07:39 PM   #3
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Got mine from Navy Federal Credit Union for less than 2% back in December. It all depends on your credit rating AND the lender.
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Old 03-07-2011, 07:44 PM   #4
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It all depends on your credit rating AND the lender.
And the length of the loan - don't forget that! Most are 5 yrs, but with good credit you can extend it out to 7 if you want - rates will be different for each.
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Old 03-07-2011, 07:47 PM   #5
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I went through Ally recently with a 3.9%
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Old 03-07-2011, 07:47 PM   #6
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If you want to get the most best rate don't go through GMAC, we many other banks like Harris, and other credit unions putting out rates as low as 1.99
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Old 03-07-2011, 07:57 PM   #7
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And the length of the loan - don't forget that! Most are 5 yrs, but with good credit you can extend it out to 7 if you want - rates will be different for each.
Exactly.
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Old 03-07-2011, 08:04 PM   #8
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Mine is 3.9/72month through ally (gmac). I always went with pentagon federal, this last time they acted like they didnt want my business so I went else where.
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Old 03-07-2011, 08:32 PM   #9
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That's a real shame. NFCU showed me, as they have for the past 20 years, that they are the best. Perhaps you might want to check them out.
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Old 03-07-2011, 09:12 PM   #10
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If you want to get the most best rate don't go through GMAC, we many other banks like Harris, and other credit unions putting out rates as low as 1.99
Yep, financed my vert for 1.99% through my credit union. Not sure what Ally is running.
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Old 03-07-2011, 09:23 PM   #11
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Yep, financed my vert for 1.99% through my credit union. Not sure what Ally is running.
Be sure to put that new convertible in the garage tomorrow, it's supposed to rain here!
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Old 03-08-2011, 03:12 AM   #12
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Unfortunately I don't qualify for any of these credit unions. Ex navy and work for Fed Govt now, not able to join Pent eihter. uggh
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Old 03-08-2011, 04:41 AM   #13
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I'm close to signing a contract on a heavily discounted 2010 2SS/RS. I had already been pre-approved for 3.24% through my credit union last week. Yesterday I offered the dealer the opportunity to beat it and he got it below 3%. Of course I haven't seen the contract yet so...

Negotiate your rate as you would with the car purchase. A quarter point is a quarter point.
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Old 03-08-2011, 09:09 AM   #14
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I'm close to signing a contract on a heavily discounted 2010 2SS/RS. I had already been pre-approved for 3.24% through my credit union last week. Yesterday I offered the dealer the opportunity to beat it and he got it below 3%. Of course I haven't seen the contract yet so...

Negotiate your rate as you would with the car purchase. A quarter point is a quarter point.
That's the plan. It has worked in my favor evertime we buy a car.
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Old 03-08-2011, 09:21 AM   #15
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Be sure to put that new convertible in the garage tomorrow, it's supposed to rain here!
LOL...funny you mention that. I work over at Trane and drove the truck today...because of that. I'm telling people I didn't drive it today because there was a forcast of possible dust in the air...
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Old 03-08-2011, 09:36 AM   #16
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5.9% through Ally in November. With marginal credit, bank/CU wouldn't beat it.
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Old 03-08-2011, 09:58 AM   #17
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Unfortunately I don't qualify for any of these credit unions. Ex navy and work for Fed Govt now, not able to join Pent eihter. uggh
Mike,
Go to USAA. You are eligable to join and they have a great banking system and Insurance rates. Haven't gotten an insurance quote for my convertible yet, but I'm sure it's relatively OK. They are currently offering a 3.88% loan, but I haven't checked the Terms.
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Old 03-08-2011, 10:26 AM   #18
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Unfortunately I don't qualify for any of these credit unions. Ex navy and work for Fed Govt now, not able to join Pent eihter. uggh
Yes, definitley check out USAA, as former Navy, you can join. I've never had and bank or Auto finance company be able to touch their rates. Right now they are offering between 2.49% and 5.99% based on the length of the loan.
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Old 03-08-2011, 11:12 AM   #19
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Just last week I got 3.17% for 66 months through CapitalOne, excellent credit score...Ally is higher than what you can get elsewhere if you have good credit....I would pursue CapitalOne or Bank of America if you're local bank won't play ball.
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Old 03-08-2011, 11:33 AM   #20
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Just spoke with my dealer and they offered me 2.6% for 60 months so I took it. I'll pickup the car Friday morning.

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Old 03-24-2011, 02:34 PM   #21
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Dude,I called ally and they told me I am at 7.9% right now. And they charge interest every day till they recieve the payment.
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Old 03-24-2011, 02:37 PM   #22
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Will be 3.39%/72 months through State Farm Bank. I think GMAC Is 3.99%/60 months and 4.99%/72 months.
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