03-11-2008 06:10 AM
03-11-2008 06:19 AM - edited 03-11-2008 06:21 AM
03-11-2008 06:29 AM
sunrise wrote:MV.....is this with clean credit reports? Or, just score driven? By this I mean, no bk's or collections?Do they pull from a certain CRA?
03-11-2008 06:56 AM
Wow this is the first I'v seen a dealership post something like this. Boy you must need to have a 800 to get 0%
MidnightVoice wrote:Auto companies keep advertising low rates for qualified borrowers, and the question keeps srising, what does that mean? As an example I am posting the Toyota Scion definitions below. Other companies may vary, they may use Auto-enhanced FICO, but I think this is a very good rough guideFinance Rates 24-60 mo/ 66 mo/ 72 mo/ 84 moZone 1+ Fico 720+ 5.20% / 5.50% / 6.00% / 6.75%Zone 1 Fico 719-690 5.50% / 5.75% / 6.25% / 7.00%Zone 2 Fico 689-670 6.15% / 6.55% / 7.05% / N/AZone 3 Fico 669-650 7.95% / 8.50% / 9.10% / N/AZone 4 Fico 649-630 10.35% /11.10% /11.85% / N/AZone 5 Fica 629-610 11.75% /12.50% /13.25% / N/AZone 6 Fica 609-580 14.75% /15.75% /16.75% / N/AZone 7 Fica 579-520 16.75% /17.75% /18.75% / N/ANote - I think the change from Fico to Fica is probably deliberate
03-11-2008 07:07 AM
That is for the Scion only. At the momwent a lot of Toyotas offer 0% financing for 2-3 years for FICOs aver 720-730steelfan wrote:Wow this is the first I'v seen a dealership post something like this. Boy you must need to have a 800 to get 0%
03-11-2008 10:15 AM
03-11-2008 06:49 PM
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