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Old 07-22-2010, 02:28 PM   #1
bigted83
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Financing

How many of u went thru somewhere else besides gmac for financing?
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Old 07-22-2010, 02:32 PM   #2
blkngldbabe
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TD for me. THe bank offered a better rate than GMAC.
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Old 07-22-2010, 02:32 PM   #3
x626xBlack
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Credit Manager gave me some crazy assed quote from City and said GMAC was a No-GO. Odd LOL my credit is above 700.

I told him State Farm offered to finance it for me. He called me back 5 minutes later with a different tone and said GMAC offered me 3 points below City.... I took it.

Funny: the person at GMAC fat fingered the APR when putting it into the system, which the Finance manager pointed out to me it was 1/2 a point lower than the APR quote. He then said "screw those azzholes, if they gave you 1/2 a point less out of stupidity then 1/2 a point less is what you'll get!"

And that is what I got.
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Old 07-22-2010, 02:34 PM   #4
John Shields
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I got financed through GMAC... but then got a call from a Wells Fargo rep that said I was able to get a lower rate (along with a voicemail from my dealer rep that said to call this Fargo lady). I haven't heard back after a few calls. So not sure what's up with that.
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Old 07-22-2010, 02:34 PM   #5
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Credit Union - Got a much lower rate.
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Old 07-22-2010, 02:35 PM   #6
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Credit union. Preapproved walked in with a check.
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Old 07-22-2010, 02:37 PM   #7
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Credit Union as well, took 10 minutes, got a check, and got a point taken off for doing payroll deduct :-)
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Old 07-22-2010, 02:37 PM   #8
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I'm going to have this car paid off in 24 months... but I may re-finance here in two months or so with a credit union to get the rate lowered (so I pay less in the end). Credit Unions are usually the way to go.
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Old 07-22-2010, 02:41 PM   #9
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I had to use a credit union -- GMAC pre-approved me but the interest was like something insane...
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Old 07-22-2010, 02:44 PM   #10
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financed through JP Morgan who then sold the loan to US Bank. 5 years at 4.27%
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Old 07-22-2010, 02:45 PM   #11
bigted83
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I might do a credit union, how hard to is it to get financed thru them? If u have good credit. Would I get a better interest rate if I got my father to cosign? His credit is basicly perfect
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Old 07-22-2010, 03:03 PM   #12
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This is something thats been on my mind alot lately....I've recently got my credit in good standing but I've never applied for a loan this big. Even with like 7500-10000 down I'm concerned they may try me when we go in that finance room?
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Old 07-22-2010, 03:13 PM   #13
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I went with Bank of America. The dealership's interest rate was way too high, (I have no idea who they were using for financing). The lowest rate that they would offer me was 5.09% for 60 months, (and i have an 802 credit rating)! I applied on-line with Bank of America and had a response in a few minutes at 2.44%.
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Old 07-22-2010, 03:14 PM   #14
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Quote:
Originally Posted by Qtrofablock View Post
This is something thats been on my mind alot lately....I've recently got my credit in good standing but I've never applied for a loan this big. Even with like 7500-10000 down I'm concerned they may try me when we go in that finance room?
I would recommend going to your bank or a credit union. There is no pressure there...it is very, VERY difficult to say NO to a bull s--- offer when you can see your car outside the front window.

Bring a check...walk out
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