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4.19% in 2020 and 3.3% a few months ago.....i was just outside of top tier so bit of a bummer, but still better than anyone else so
3.3% is pretty good. Wonder what kind of profile one must have to get tier 1.
i had short active history......2 yr perfect auto history and only 1 CC, no derogs and long work and residence history...my score was 739 i believe for pen fed.....i did used them because they pulled from my highest credit bureau and scoring model....FWIW
think i needed 742 or above thru pen fed to get the next bump........i was sub prime most of my life until i turned it around
I worked for GMF as a credit analyst & I will say they have high rates (unless you are going for a subvented rate like 0% or 1.99%). I'd say the dealership can get you a lower rate with someone else.
I finally pulled the trigger and applied for an auto loan with Penfed. Our truck, (in theory) should be arriving st our dealership anyday😀. Instant online approval for 3.69% apr. A little higher than I was wanting but at least it's something in my back pocket that the dealership will have to beat for us to use of their lenders. We'll see what they come up with. 🤞
Do you know how GMF evaluates potential lessees with paid-off charge offs that are about 5 years old?