So when they ask what I want as monthly payments....what do I say?"Thats not an issue I am more interested in the total I am going to pay for the car. "
I just called my CU (i just joined a week ago) to get some info about interest rate and how to go about getting the car this weekend, etc. Since it is my first time dealing with a CU, I'm kindof in the dark of how it works. The loan officer was soooo rude to me. I don't understand what her deal was. I really hate that!! She said that I can get 5.75% for a 4 year loan if I have good credit. She says it doesn't matter what my score is as long as I have good credit, the interest is 5.75. Is this a good interest rate or do you think I can probably do better through Honda? My scores are EQ 667, TU 653, EX 639. These are 2 weeks old, but maybe have gone higher because my utilization went down by paying off my CC. I'm hoping to get around $4000 for my wrangler from carmax. So I think I will probably be needing to finance around 12,000.Call the CU and try to see if you get someone nicer. Otherwise join another CU.How have you done on past car loans? Any lates or defaults?Also random Q, what year/mileage is the Jeep? I wanted to buy one, but not anymore with these gas prices .