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Old 08-11-2009, 09:43 AM   #1
R1Ecko
 
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When to line up my financing?

Hey guys,
quick question for anyone who lined up their loans before the car was delivered. Did you need a VIN or the window sticker to get a loan or is an amount from your dealer enough proof of cost. I'd like to finance the supplier cost of my 1SS + $200 for tint and all TT&L so around $33k. Will my credit
union be able to approve that much? I've heard it's a certain percentage over invoice that can be approved.
So if my car will be here say Oct 1st, when should
I be applying and have enough time to get
it completed before that day.
Also how soon after your TPW are VINs assigned?

Thanks all!
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Old 08-11-2009, 10:04 AM   #2
homerlex
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VIN is assigned when the car is produced.

I was able to get pre-approved from a credit union before I had a VIN. It took less than a day for them to get back to me telling me I had been pre-approved and what the current rate was.

I ended up going with financing through GMAC (well, I will next week when the car is here) because they actually beat my credit union (4.09%). The dealer told me it only takes 10 minutes for GMAC to approve someone.
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2LT/RS Black/Black, Manual with Polished AL Wheels
Order #NKNB5D Vin: 2G1FG1EV7A9132544
1100 - 06/09/2009 | 2000 - 06/18/2009 | 2500 - 06/23/2009 | 3000 - 06/24/2009
3100 - 07/14/2009 | 3300 - 07/14/2009 | 3400 - 07/25/2009 | 3800 - 08/04/2009
4B00 - 08/05/2009 | 4100 - 08/06/2009 | 4200 - 08/08/2009 | 5000 - 08/20/2009 |6000 - 08/22/2009
Target Production Week:Originally: 7/27, pushed to 8/10 then back to 7/27
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Old 08-11-2009, 10:05 AM   #3
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GMAC huh...I'll give them a shot too!
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Old 08-11-2009, 10:10 AM   #4
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I would have and did, get pre-approved before I ordered. You don't need vin# or anything to get pre-approved. What if the car comes in and you can't get the loan? Just tell them you want to get pre-approved for $xxx, when the car comes in, go in with the sales agreement with exact numbers and pick up your check.
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Placed order at dealer 4/24/09
1100 - 4/28/09
2000 - 5/01/09
2500 - 5/05/09
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3300 - 5/30/09
3400 - 6/05/09
3800 - 6/18/09
4000 - 6/18/09
4B00 - 6/18/09
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Old 08-11-2009, 10:15 AM   #5
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I got pre-approved from my credit union in June. Talked to them this morning b/c i got my vin today and was told to call back when i have my bill of sale and invoice.
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Old 08-11-2009, 01:28 PM   #6
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I went thru Randolph Brooks Federal Credit Union....3.9%...all I had to do was open a savings account.

Awesome service, highly recommended!
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Old 08-11-2009, 04:21 PM   #7
SLVRPHX
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I wasn't worried about being denied, so I didn't apply for pre-approval until my car shipped. I then got a blank check valid upto the pre-approved amount (total couldn't be more than 110% MSRP). If you're concerned about if you'll be approved or not I'd suggest getting pre-approved before ordering.
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Old 08-11-2009, 05:40 PM   #8
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Applied for my loan when I got the vin. Went through my credit union
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Old 08-11-2009, 11:32 PM   #9
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I don't have an account with any credit union...should I just go to any one in my town?
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Old 08-12-2009, 12:25 AM   #10
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Quote:
Originally Posted by homerlex View Post
VIN is assigned when the car is produced.

I was able to get pre-approved from a credit union before I had a VIN. It took less than a day for them to get back to me telling me I had been pre-approved and what the current rate was.

I ended up going with financing through GMAC (well, I will next week when the car is here) because they actually beat my credit union (4.09%). The dealer told me it only takes 10 minutes for GMAC to approve someone.
Interesting. I look into GMAC too. However, I asked my salesman today and he said he could not beat my mother's credit union of 4.99%.

We shall see.
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Old 08-12-2009, 06:26 AM   #11
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Quote:
Originally Posted by UCI CamaroFan View Post
Interesting. I look into GMAC too. However, I asked my salesman today and he said he could not beat my mother's credit union of 4.99%.

We shall see.
At first GMAC said 4.89%. After I told the dealer I could get 4.5 from my CU he went back and GMAC came back with the 4.09%. I guess everything is negotiable
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Order #NKNB5D Vin: 2G1FG1EV7A9132544
1100 - 06/09/2009 | 2000 - 06/18/2009 | 2500 - 06/23/2009 | 3000 - 06/24/2009
3100 - 07/14/2009 | 3300 - 07/14/2009 | 3400 - 07/25/2009 | 3800 - 08/04/2009
4B00 - 08/05/2009 | 4100 - 08/06/2009 | 4200 - 08/08/2009 | 5000 - 08/20/2009 |6000 - 08/22/2009
Target Production Week:Originally: 7/27, pushed to 8/10 then back to 7/27
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Old 08-12-2009, 07:23 AM   #12
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I thought I was told that dealerships in NJ could tack on up to 2% intrest.
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Old 08-14-2009, 09:07 AM   #13
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Good info here, have to try out getting a better deal from GMAC. Thanks!
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Old 08-15-2009, 10:45 AM   #14
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Not to get nosy, but what are ya'lls credit scores like? It seems like your all getting pretty good interest rates
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Old 08-15-2009, 10:48 AM   #15
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Your rates seem better than what I'm getting quoted - even GMAC is about 5.99%. I'm working on 3.99% at USECU.org My credit score is only around 735 and I'm putting 20% down! Geez...
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Old 08-16-2009, 06:35 PM   #16
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Quote:
Originally Posted by R1Ecko View Post
Not to get nosy, but what are ya'lls credit scores like? It seems like your all getting pretty good interest rates
My score is 810, I got 4.5% for 5 yrs.
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2LT/RS RJT, Blk Rally Stripes, Beige Interior, Sunroof
Placed order at dealer 4/24/09
1100 - 4/28/09
2000 - 5/01/09
2500 - 5/05/09
3000 - 5/05/09
3300 - 5/30/09
3400 - 6/05/09
3800 - 6/18/09
4000 - 6/18/09
4B00 - 6/18/09
4200 - 6/22/09
5000 - 7/01/09
6000 - 7/01/09 It's Home!!
0000 - 7/14/11 Traded in with 24,000 miles. Currently 5th Gen less
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Old 08-16-2009, 08:14 PM   #17
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I got aproved from somebody else. Lower rate then GM. When my car comes in I will got with the blank check to fill out. Will use it to try to get a lower rate with GM .
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Old 08-19-2009, 02:11 PM   #18
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Just got approved by USE Credit Union - 3.99%! They'll go to 110% of Blue Book, but I settled for a 20% down payment! Car should be here in a couple of week! Yea!
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Old 08-21-2009, 01:20 PM   #19
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Hey thanks for the advice guys. I was pre-approved for my MSRP+tt&l. All I have to do is fax Texans a price order with MSRP on it and I'm good. 6.3% and my credit isn't the best. Was told I could get it to 5% if I wanted to finance for less than 54 months but I need the extra $$'s for exhaust and a ring for my lady.
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