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Old 12-22-2009, 08:48 PM   #1
MiamiCane
 
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Best Interest Rate With Excellent Credit?

Hey guys, I should be taking delivery of my Camaro next week. Right now I'm looking for financing and I'm hoping you guys can help me out. What are the best interest rates out there right now for someone with excellent credit? Does anyone know of any special interest rates available from any credit unions? Thanks in advance for any help you guys can give me.
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Old 12-22-2009, 09:27 PM   #2
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Search the internet for your local credit unions, they should have rates posted. I have seen a low of 3.99%. Let us know if you find lower.
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Old 12-22-2009, 09:29 PM   #3
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Bank of America has a low of 3.70% APR
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Old 12-22-2009, 09:33 PM   #4
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Quote:
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Search the internet for your local credit unions, they should have rates posted. I have seen a low of 3.99%. Let us know if you find lower.
Yeah, 3.99% is the lowest I've seen so far too.

Thanks for the heads up on the 3.7 at Bank of America. I'll be sure to contact them tomorrow.
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Old 12-22-2009, 09:49 PM   #5
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To get 3.7% at BofA you need 20% equity or more. Check your local credit unions.
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Old 12-22-2009, 09:51 PM   #6
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Originally Posted by MiamiCane View Post
Yeah, 3.99% is the lowest I've seen so far too.

Thanks for the heads up on the 3.7 at Bank of America. I'll be sure to contact them tomorrow.
No problem, I too will be contacting them tomorrow to see what I can get approved for. Unfortunately I don't think I can get it 3.7% since Im only 25 and I dont have a lot of credit experience. But hopefully it will be in the 4% range.
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Old 12-22-2009, 11:09 PM   #7
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i too will be taking delivery soon, just wondering what GMAC is or would offer nowadays for a credit score around 720ish and a down payment of around 8 or 9k.
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Old 12-23-2009, 09:38 AM   #8
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Pentagon Federal has 3.99%...
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Old 12-23-2009, 09:47 AM   #9
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I received 4.8% for 72 months from Bank of America
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Old 12-23-2009, 11:12 AM   #10
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Quote:
Originally Posted by Cmaro214 View Post
i too will be taking delivery soon, just wondering what GMAC is or would offer nowadays for a credit score around 720ish and a down payment of around 8 or 9k.
I don't know about GMAC but elsewhere you should be looking at the high 4-5% range, if your credit is good. 720 is a little low from what I've heard from banks and credit unions. I built mine up to about 750.
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Old 12-23-2009, 11:14 AM   #11
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4.25 gmac
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Old 12-23-2009, 11:18 AM   #12
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I got 3.91% from BoA if I wanted to finance about 90% of the car's value
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Old 12-23-2009, 11:24 AM   #13
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FYI... My 4.8% for 72 months from Bank of America was financing everything. Signed and walked out
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Old 12-23-2009, 01:18 PM   #14
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Damn B of A would ONLY finance up to 23k for me which I thought was odd, but I need 28k. I hav a score somewhere around 750. Did offer me 4.3% though. Now off to another bank.
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Old 12-23-2009, 01:25 PM   #15
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I got 3.99% from my credit union...
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Dude, you go through cars faster than I go through underware!!
1000 Initial Order 9/14/2009 - Classic Chevy Sugar Land
1100 Order accepted at dealer: 9/15/2009 - NPGV41.
2000 Order accepted by GM: 9/29/2009
3000 Accepted By Production Control: 9/30/2009 - TPW 10/26/09
3100 Sequenced:10/12/09
3300 Scheduled For Production:10/13/09
3400 Broadcast:10/22/09
3800 Produced:10/27/09
4000 Available To Ship:10/28/09
4200 Shipped:10/29/09
5000 Delivered To The Dealer:11/09/09
6000 Delivered To Customer:11/12/09
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Old 12-23-2009, 01:31 PM   #16
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3.99% for 60 months NFCU.
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Old 12-23-2009, 02:17 PM   #17
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Old 12-23-2009, 02:26 PM   #18
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It pretty much all depends on your individual situation what you will get. Some of the things banks look at when giving you a rate: (this is just my opinion, but I have talked with friends who have/do work for different banks.)

* Credit Score (and some banks give more weight one credit bureau vs another)
* Income
* Time at job
* # of accounts with bank
* length of time with bank
* type/history of accounts.
* whether you own or rent a house, etc.
* length of loan you are looking for.
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Original Order: 1100 Preliminary Order Accepted (06/09/09) Canceled 10/27/09
New Order with new dealer:
1100 Preliminary Order Accepted (10/26)
2500 Preferenced (11/03), 3000 Accepted by Production Control(11/04/09) TPW (11/23)
3300 Scheduled for Production (11/11), 3400 Order broadcast (11/12/09), 3800 Order produced (11/25)
4150 Produced, Invoiced and Available to ship (11/25), 4200 Shipped (11/26), 4800 Rail Ramp Unload (12/4)
5000 Delivered to the dealer (12/7)
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Old 12-23-2009, 02:31 PM   #19
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You best bet is to shop around to credit unions that you are a member of or qualified to join, as well as look at regular banks.
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IOM 2SS/RS LS3 M6 w/ IO interior
Original Order: 1100 Preliminary Order Accepted (06/09/09) Canceled 10/27/09
New Order with new dealer:
1100 Preliminary Order Accepted (10/26)
2500 Preferenced (11/03), 3000 Accepted by Production Control(11/04/09) TPW (11/23)
3300 Scheduled for Production (11/11), 3400 Order broadcast (11/12/09), 3800 Order produced (11/25)
4150 Produced, Invoiced and Available to ship (11/25), 4200 Shipped (11/26), 4800 Rail Ramp Unload (12/4)
5000 Delivered to the dealer (12/7)
6000 Delivered to customer (12/10/09)
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Old 12-23-2009, 02:50 PM   #20
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Old 12-23-2009, 04:15 PM   #21
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I was offered 4.22% for 60 months from Bank of America. My credit rating is 782, I would put $10k, my mortgage is with them, and I authorize automatic draft for the payments. So, I ask why the hell I wasn't getting the 3.70% rate. Well, its because my dealer is not in their network. Well, anyway my dealer and credit union said he couldn't come close to 4.22% so I'm going with B of A.
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Old 12-25-2009, 11:37 AM   #22
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I got 3.7 from BoA. I am only putting about $5000 of my own money for the down.
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3800: 12/11/2009 VIN# 176633
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Old 12-27-2009, 02:08 PM   #23
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First secure your own financing through a credit union or some like bank of america. They got me 4.49 for 72.If you have a good size dealership they might be able to beat it to earn your business. Mine said they could beat it and I really didnt think they could but they did 3.89 for 72 I was very pleased!
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Old 01-01-2010, 06:23 PM   #24
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Just wanted to let you guys know that the best I could do was 3.99% for 60 months. I got that through my credit union. Bank of America was offering 3.7% for 60 months but you have to be a premium member and you have to finance at least $25,000, so I couldn't take advantage of that.
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