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PenFed $35k @ 6.44% (Audi S6)

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TRC_WA
Senior Contributor

Re: PenFed $35k @ 6.44% (Audi S6)

@credit_is_crack wrote:


I know what you mean. I didn't have any intentions of getting it, but the fact that the warranty is expiring was all the reason I needed. Plus it stung less since dealers are still being mildly generous with trade offers (not as much as a few months ago), but certainly not insulting 


 

@credit_is_crack 

 

For kicks I looked up my '22 Bronco the other day on KBB and the trade value they showed is about $2k more than the MSRP I paid... and I checked twice.  No idea what a dealer would offer but it was still interesting to see.

 

No plans to change vehicles because I love this Bronco but the market still seems a bit crazy...  I got a nice deal on my Challenger trade when I bought this in October and am comfortably in the green right now.

 

Grats on the Audi.

FICO8 current as of : 2-1-26 EQ: 713 TU: 702 EX: 705
Hard INQs last 12 months: EQ: 1 | TU: 2 | EX: 1
Verizon Visa $8500 Amex Delta Gold $10,000 Care Credit $18,000
NFCU CashRewards $13,500 Apple Card $7000 Best Buy $8000 Amazon $5000
STCU auto loan (2026 Hyundai Palisade Hybrid) 6.24%
HDFS motorcycle loan (2024 Harley Davidson Road Glide) 9.45%
Total CL: $70,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $257k
Last app: 1-31-26
Message 11 of 13
cashorcharge
Community Leader
Super Contributor

Re: PenFed $35k @ 6.44% (Audi S6)

Great choice!  Congrats

Message 12 of 13
fury1995
Valued Contributor

Re: PenFed $35k @ 6.44% (Audi S6)


@TRC_WA wrote:
@credit_is_crack wrote:


I know what you mean. I didn't have any intentions of getting it, but the fact that the warranty is expiring was all the reason I needed. Plus it stung less since dealers are still being mildly generous with trade offers (not as much as a few months ago), but certainly not insulting 


 

@credit_is_crack 

 

For kicks I looked up my '22 Bronco the other day on KBB and the trade value they showed is about $2k more than the MSRP I paid... and I checked twice.  No idea what a dealer would offer but it was still interesting to see.

 

No plans to change vehicles because I love this Bronco but the market still seems a bit crazy...  I got a nice deal on my Challenger trade when I bought this in October and am comfortably in the green right now.

 

Grats on the Audi.


Valuations like that for your Bronco have been the norm for the last 20 months or so. It all started around May 2020 but caught on publically around August 2020. There was a December dip but the U/C market has bounced back a little over 7% since beginning of January.

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

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Message 13 of 13
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