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I went from FICO 642 to 714 in 3 months, Thank You Forum! Then today got a pre-approval for $35,000 auto loan from US Bank. Not sure the interest rate or when I'll find out, I may need to call them.
@rossusa wrote:I went from FICO 642 to 714 in 3 months, Thank You Forum! Then today got a pre-approval for $35,000 auto loan from US Bank. Not sure the interest rate or when I'll find out, I may need to call them.
Great bank, congrats. See if you can get promo financing from the dealer.
Got a call from the bank, 2.49% for 48 months up to 3.49% for 72 months. Now to visit the dealer and find out what they can do.
@rossusa wrote:Got a call from the bank, 2.49% for 48 months up to 3.49% for 72 months. Now to visit the dealer and find out what they can do.
Stick with the 48 month's if the dealer can't hook you up with something better.
@rossusa wrote:Got a call from the bank, 2.49% for 48 months up to 3.49% for 72 months. Now to visit the dealer and find out what they can do.
How long did it take for them to call you? I just got preapproved yesterday for $22K.
Got pre approved online then a couple of hours later got an email telling me to call with any questions. I called and got a voicemail but they called me right back. I was surprised to get a personal email and phone contact number, not just a generic contact number. Impressed with US Bank customer service. It may help that I'm a current customer.
@rossusa wrote:Got pre approved online then a couple of hours later got an email telling me to call with any questions. I called and got a voicemail but they called me right back. I was surprised to get a personal email and phone contact number, not just a generic contact number. Impressed with US Bank customer service. It may help that I'm a current customer.
Can you PM me the number you called? I want to reach out to them to get the rate. I'm thinking about going shopping this weekend. I'd hope, as a current customer and employee, I'd be able to get an answer.
Got my car today: 2013 Altima, $29,000 financed. The dealer beat US Bank with 2.8% for 72 months. I'm very pleased with that rate!
Ugh, why did you go with the higher rate?
The dealer probably could have done 1.9% for 60 month's.
The long loan terms people are going with is starting to frustrate me. How can you predict your financial outlook for the next 6 years? Or even keep a vehicle for 6 years. Paying such a small amount each month on something that goes down in value so quickly is just setting yourself up for problems.
They wouldn't have gone to 1.9%, maybe 2.4%. Based on the way I make payments and the fact that I keep my cars until they die, I was very happy with the term and rate.