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Old 09-02-2010, 02:50 PM   #1
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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.
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Old 09-02-2010, 03:12 PM   #2
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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.
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Old 09-03-2010, 07:42 PM   #3
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Old 09-03-2010, 08:04 PM   #4
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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.
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Old 09-03-2010, 08:07 PM   #5
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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.
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Old 09-03-2010, 08:33 PM   #6
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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.
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Old 09-03-2010, 08:35 PM   #7
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Quote:
Originally Posted by IBM/2SS/RS/LS3 View Post
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 !!!!
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Old 09-03-2010, 08:36 PM   #8
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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.


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Old 09-03-2010, 11:12 PM   #9
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IBM I got 3.99 for 72.
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Old 09-04-2010, 01:03 AM   #10
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I got 3.94 and my credit is above 800. anyone get 0%?
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Old 09-04-2010, 02:04 AM   #11
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the shorter you borrow for rates are usually lower, I got 3.99 for 48 from Pen Fed.
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Old 09-04-2010, 02:23 AM   #12
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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.
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Old 09-04-2010, 08:04 AM   #13
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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.
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Old 09-08-2010, 12:23 AM   #14
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Locked in at 3.02%/60 with Capitol One (blank check)
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Old 09-12-2010, 10:49 PM   #15
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Yesterday, I got 2.64% for 36 months from Chase Bank thru dealership. Credit score over 800 and 50% cash down payment on SGM 2011 1SS I ordered in late July.

Due to heavy rain, I decided to pick-up car next week when its dry to drive home...about 70 miles.
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Old 09-13-2010, 07:09 PM   #16
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2.5% capitol one, 60 months.
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Old 09-14-2010, 12:49 AM   #17
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Dealer beat Cap One at 2.85/60
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Old 09-14-2010, 09:52 AM   #18
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My credit union has 1.99% for 60 months right now - making it hard to not buy a Camaro.
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