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We're in the market for a new car and was hoping that I could get some help. Our FICOs are:
Mine 632 TU, 640 EQ
Wife 647 TU, 614 EQ (error we are disputing)
Of course, I don't know the Auto Enhanced score but I have 3 car loans on my report (co-signed for one). One was started in 2006 with perfect payment history, the other was started in 2009 with perfect payment history. The one I co-signed for has a 30 day late on Jan of 2010 but it is only showing on TU and not on EQ.
We're looking at either 60 mo or 72 mo on a 2009 Honda Accord. The initial offer was at 11.5% which seems high to me. I was thinking more around 8% knowing that our scores aren't great by any means but I would think that the auto enhanced (especially on EQ) would be over 650.
Any thoughts on a reasonable rate that I could expect/hope for?
You didn't ask what your auto enhanced were when you got the offer for Infiniti? I was approved for special financing a few ago with Infiniti with a 650, so I would kind of guess your auto enhanced must be below 650 to get an offer of 11%. if you just recently applied for the infiniti, you could go ahead and apply at Honda, you have I think a 30 day window when shopping for cars for all the credit pulls.