So I have decided that I think I want to purchase my car at carmax and I wanted to see if someone with a similar credit profile had purchased from them and what was your interest rate
I would like to try and get 3.49 or less on a 72 month loan
My credit is as follows:
99k total credit
92k available
18k autol oan on time
500 POL
bk discharged May 2009 ...all on time since then
29 inq
My scores are around 685-710
income 195k (if they ask for stubs I will have a little problem because a chunk of my income comes from farmland and I have not received a K1 for 2015 yet, however I could show them a copy of a check over 100k if you think that would work)
I want to get a 70k car with tax,title, license and I want to put down 25k
So I will finance 45k.... do you think I can get a lower interest rate with my bk on my file ?
BTW Penfed gave me 1.99 on 60 months on my 18 autoloan
Not sure if carmax lenders, since they are not a CU, will give me the best interest rate
What do you think ? Do you think they can give me a low rate (3.49 or lower)
Thank you!!
