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Old 12-29-2008, 10:14 PM   #15
MerF
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Originally Posted by trm0002 View Post
Hmmm, guess $17.25 down won't quite cut it...
Haha! My thoughts exactly.
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Old 12-30-2008, 02:17 PM   #16
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I'm scared, around 560 a month for me. That $200 more a month than I was paying. They better give me a grad discount and I'm pretty sure title and lisense isn't that bad in IL.
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Old 12-30-2008, 03:55 PM   #17
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I'm not going by this, we'll see what happens at the dealers.
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Old 12-30-2008, 04:01 PM   #18
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I'm pretty sure title and lisense isn't that bad in IL.
About $450 in IL.
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Old 12-30-2008, 04:19 PM   #19
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Originally Posted by fad1 View Post
I'm not going by this, we'll see what happens at the dealers.
Nothing is going to be different there. The BIG variable is the interest rate you can punch in. I know I can get 5% or less from the credit union. The vehicle and package prices are correct. Unless of course you think the dealer will sell you one at invoice ; that could change the picture too.
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Old 12-30-2008, 09:03 PM   #20
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What rate should I be putting as a young buyer with limited credit history?
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Old 12-30-2008, 09:23 PM   #21
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What rate should I be putting as a young buyer with limited credit history?
Dealers pull your FICO score to decide the APR.

They can also jack the rate up to make more money.

It's best if you know your score, and know what rate they should give you.

The Equifax site is great for learning how to improve the FICO score as well.

Get your FICO score here: http://www.equifax.com/fico-credit-score/

Score Power® - $15.95

Average Loan Rates by Score 60 month loan

Interest Rates as of 12/12/2008

FICO® Score Avg Rates

720-850 6.745%

690-719 8.302%

660-689 9.549%

620-659 12.246%

590-619 15.463%

500-589 16.484%

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Old 01-01-2009, 11:46 PM   #22
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GM4Life, How will your payments be that low?
How much are you putting down?
im trading my car off and 4500 down w/ a 72month loan.... i plan to get it paid off A LOT sooner than that, im just going to get the 6 year loan jus in case if money gets tight for some reason. im going to prob just do what i did with my G5 GT and that is get the 72 month loan and pay it off in bout a year or so....
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Old 01-02-2009, 02:19 AM   #23
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I want 4.4% or better....like I already have now.

i'm sure I can pull it off somehow
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