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What are the minimum qualifications to get 0%. I will be in the market for a vehcile in a another year. By then all my scores will be close to 800. Two are 760's now and one is 740 I have no bad info on any of my reports and have 6 car loans all with postive payment history
rtoshow wrote:
I have sold cars this month at zero & at 20.99. The differences can be huge based on your credit. Keep in mind, the dealer gets a "buy rate" from the lender & they may mark it up on you. That's another profit center for the dealer. Your best bet is go to the lot with your own financing & that won't happen. You will get the best rate that your credit qualifies you for.
My credit union through my employer has a program where one can get pre-approved financing on the spot at the dealership for their rate of, which the last time I looked was like, 5.25%. Of course, that rate may change based on credit history but I know people who got that rate with scores much lower than mine.
rtoshow wrote:
I have sold cars this month at zero & at 20.99. The differences can be huge based on your credit. Keep in mind, the dealer gets a "buy rate" from the lender & they may mark it up on you. That's another profit center for the dealer. Your best bet is go to the lot with your own financing & that won't happen. You will get the best rate that your credit qualifies you for.
hipgal0825 wrote:
Thanks Tuscani, very interesting. Wonder if that means I'd have a pretty decent FICO Auto Industry score because on my credit report the 2 auto loans listed show "ok" almost completely across the board a couple "nd" and they both have "never late" comments. Also, I'd filed my bankruptcy 4/99 and in 9/99 got financed at a dealership for a used car. It's been 8 years since my bankruptcy now, so perhaps I'd still get approved.