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Old 05-16-2009, 04:03 PM   #1
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Exclamation 2010 Camaro owners, where did you finance through?

I've ordered mine but had to order an LT. I'm looking at all my options for financing and wondering where all the new owners financed their new ride through? did any one use Chevy's own financing? I'm hoping I can find a deal and bump my order up to a 1ss! I'm keeping my fingers crossed.
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Old 05-16-2009, 04:40 PM   #2
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Pentegon federal credit union 60 month 3.99% and 72 month 4.75%....
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Old 05-16-2009, 04:42 PM   #3
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Pentegon federal credit union 60 month 3.99% and 72 month 4.75%....
can none enlisted people finance through them?
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Old 05-16-2009, 07:17 PM   #4
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can none enlisted people finance through them?
Go to their web site. There are many ways that you are eligible. I think one of the ways is by donating through them to some charity or something like that. www.penfed.org.
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Old 05-16-2009, 07:40 PM   #5
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I looked at the chevy website and one thing that stroke me was the fact that they would offer 0% financing for 60 months on every other car but the Camaro. They even offer 0%Apr on the Corvette as well. What is wrong with GM? Why not offer 0% Apr on Camaro too (to qualified customers, of course)? If you are offering 0% Apr in most of their vehicles why not include Camaro, which is a car that people actually want to buy? Imagine they offered it - they would sell hundreds of thousands of them.
They would definitely get customers like me, for instance. I would buy one right now if they offered 0%Apr on the Camaro, but the fact that I do not want to pay 5%,6% or more on a $37K car (2SS w/ some options) is holding me back a little not to buy since I already own a car (Volvo XC90) and could wait for the Camaro to go down in price, or could wait for better deals in the future.
I believe, offering 0% Apr on the Camaro would only help GM.
What are your thoughts on this?
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Old 05-16-2009, 07:59 PM   #6
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I was enlisted but did not qualify for PenFed. ANYONE can qualify if you read the print at their website.

Got the Harley refinanced and 100% of the Camaro at 3.99%. Painless and had an answer in 30 hours.

Apply online for the rates.
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Old 05-16-2009, 08:48 PM   #7
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Old 05-16-2009, 08:58 PM   #8
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1100, Preliminary order accepted - (4/26/09)
2000, Order accepted by GM - (5-25-09)
2500, Order preferenced (5-26-09)
3000, Order accepted by production control (5-27-09)
3100, Order available to sequence (06-19-09)
3300, Order scheduled for production (6-19-09 TPW 6/29
3400, Order broadcast (06-26-09)
3800, Order produced (07-02-09)
VIN#2G1FK1EJ0A9123941
4000, Available to ship (07-02-09)
4104, Bailment Invoice (07-03-09)
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Old 05-16-2009, 09:01 PM   #9
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Originally Posted by MilotiNY View Post
I looked at the chevy website and one thing that stroke me was the fact that they would offer 0% financing for 60 months on every other car but the Camaro. They even offer 0%Apr on the Corvette as well. What is wrong with GM? Why not offer 0% Apr on Camaro too (to qualified customers, of course)? If you are offering 0% Apr in most of their vehicles why not include Camaro, which is a car that people actually want to buy? Imagine they offered it - they would sell hundreds of thousands of them.
They would definitely get customers like me, for instance. I would buy one right now if they offered 0%Apr on the Camaro, but the fact that I do not want to pay 5%,6% or more on a $37K car (2SS w/ some options) is holding me back a little not to buy since I already own a car (Volvo XC90) and could wait for the Camaro to go down in price, or could wait for better deals in the future.
I believe, offering 0% Apr on the Camaro would only help GM.
What are your thoughts on this?
First of all camaro will sell without 0%.0% is last resort to clear inventory----wheres the camaro inventory?????
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Old 05-16-2009, 09:04 PM   #10
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local credit unions should be your first stop.3.99 for 60 -4.75 for 72.If youre below 720 then it should only go up about 1% unless you have bad car credit.
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Old 05-16-2009, 09:08 PM   #11
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I am financing through my credit union. They are offering a 3.95% for 60 months, and 4.25 for 72 months. I am lucky enough to get employee pricing as well, so my 2SS pretty loaded was going to sticker for close to 40k and got it for $34,477.00. If you can get GMS pricing, definitely search out a dealer who will honor it, because not all of them are saying they do. Good luck!!
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Old 05-16-2009, 09:12 PM   #12
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Navy Federal Credit Union has a 36-month $20k loan at 3.75%. I'm putting down enough for the rest.
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Old 05-16-2009, 11:38 PM   #13
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Has anyone beat 3.99% through GMAC or a dealer? Just curious, we've got a local credit union at 3.99%.
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Old 05-17-2009, 01:53 AM   #14
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First of all camaro will sell without 0%.0% is last resort to clear inventory----wheres the camaro inventory?????
I know there is no inventory yet but point is taking advantage of short supply and the demand and charging Apr. GM is in a really bad shape right now, so the least they can do is show some good will for a car so popular and wanted by so many people. Remember, they accepted around 15.000 pre-orders, if I am not mistaken. That number is still nothing. Pennies. It will not save GM. They need to sell a 1000 Camaros just to pay one of their CEOs.

Btw, I saw a black 2010 Mustang GT today - looked awesome. I might even consider getting one if Ford offers 0%Apr ummm, let's check out ford.com.
Get my point?
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Old 05-17-2009, 09:44 AM   #15
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I was told by my dealer that the camaro is so new that they don't have any leasing options yet for them
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Old 05-21-2009, 01:19 PM   #16
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Lease? You only do that for needed transportation that you really don't want anyway. My theory is pay it off and keep it till its dead, rebuild it and keep on trucking. Why would you want to lease a Camaro?
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Old 05-21-2009, 01:22 PM   #17
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Ill be leasing mine... which was tough to find I might add.
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Old 05-21-2009, 01:22 PM   #18
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I was told by my dealer that the camaro is so new that they don't have any leasing options yet for them
He lied. There is no money for leasing and GMAC split from GM and is a seperate outside bank now.

You get upside down. I.E. used cars loose value. And since this is now a rental fleet class vehicle, at Avis, the values will go even lower after a year or two.
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Old 05-21-2009, 01:37 PM   #19
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Lease? You only do that for needed transportation that you really don't want anyway. My theory is pay it off and keep it till its dead, rebuild it and keep on trucking. Why would you want to lease a Camaro?
Leasing is the way to go for some of us. My business pays the lease as a company expense and gets a better tax write-off than it would in depreciating a purchased vehicle. Ends up costing less actual dollars to lease for my company.

Unwanted transportation? NO-- My Camaro will be garaged during the week and will be a play toy for evenings and weekend pleasure driving.

Why keep it until its dead? Maybe if I want to I just may do that. At the end of the lease, I can go and get another newer Camaro or ever else I want and still have the option to purchase the 2010 Camaro by paying the residual. Then I would have another newer leased Camaro and the current 2010 Camaro too.

If I choose to buy it at the end of the lease, I'm buying a used car that I have had in my possesion the entire life of the car, know it's history and it's already 1/2 paid for by my company.
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Old 05-21-2009, 01:47 PM   #20
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He lied. There is no money for leasing and GMAC split from GM and is a seperate outside bank now.

You get upside down. I.E. used cars loose value. And since this is now a rental fleet class vehicle, at Avis, the values will go even lower after a year or two.

This last assumption is completely not true. While the Camaro is available at Avis (and likely others) it is not a "Fleet" vehicle (same with the Mustang which you can also rent). It is of limited availability in certain markets. Meanwhile you can go to almost any location and pick up a Malibu, Cobalt, or a G6. The difference is that the standard mainstay cars are offered to fleets (including corporate, rental, gov't, etc) at a significantly discounted price (significantly lower than "dealer invoice") and flood the market. When they reach the end of their service life (usually 60-80k depending on the company) they are sold at a depreciated price off of what was paid for them. This significant number of vehicles at FAR lower prices drives down the market value of all used vehicles of that type. But thats thousands upon thousands of vehicles. (Heck it was worth it for GM to continute building prior model Malibus along with new ones and selling them fleet only as "Chevy Classics"). Camaros and otehr "hot item" cars, that are rented for a premium price and only at certain locations do not fall into this model, and usually are purchased for slightly above invoice, which is why the rental companies charge a significant premium for them. 500 to 1000 at most Camaros, purchased at just above invoice (and sold at various times) are not going to drive prices down.
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Old 05-21-2009, 11:44 PM   #21
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Leasing is the way to go for some of us. My business pays the lease as a company expense and gets a better tax write-off than it would in depreciating a purchased vehicle. Ends up costing less actual dollars to lease for my company.

Unwanted transportation? NO-- My Camaro will be garaged during the week and will be a play toy for evenings and weekend pleasure driving.

Why keep it until its dead? Maybe if I want to I just may do that. At the end of the lease, I can go and get another newer Camaro or ever else I want and still have the option to purchase the 2010 Camaro by paying the residual. Then I would have another newer leased Camaro and the current 2010 Camaro too.

If I choose to buy it at the end of the lease, I'm buying a used car that I have had in my possesion the entire life of the car, know it's history and it's already 1/2 paid for by my company.

Ok I can see your tax reasons on a company car. I've just never understood leasing a new car every other year. I know several people that do that. I guess for that new car smell or something. I don't like the idea of eternal car payments. I pay loans off as soon as I possibly can and don't worry about depreciation because I get my moneys worth out of my vehicals. My truck is 5 years old and I plan to have it at least 5 to 10 more years at least. The Camaro is a toy and a dream and that is the only reason I'm getting it. We had 2 car payments recently with my wifes Sky and her Cherokee. I hated it. Just paid off the Jeep 3 years early cause I sure wasn't going to have 3 payments!
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Old 05-21-2009, 11:51 PM   #22
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Old 05-21-2009, 11:54 PM   #23
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fort campbell credit union 6% for 84 months
is this the credit union your bank with all the time. or just got your loan through them
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Old 05-21-2009, 11:55 PM   #24
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fort campbell credit union 6% for 84 months
Careful with 84 months a lot of companies do not allow GAP insurance on that long.

I am using MidFlorida for 77 months at 4.99 w/ GAP Over 720
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Old 05-22-2009, 12:17 AM   #25
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First of all camaro will sell without 0%.0% is last resort to clear inventory----wheres the camaro inventory?????
I don't think 0.0% is to clear inventory at all. The more cars they sell the better.
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