I worked with a few clients of mine to finally find a bank to carry paper for me on a decent car.
While all the majors shot down me for not being in bureaus that long, TD Auto Finance gave a no doc approval instantly on a high end car
The guy I deal with specializes in high end cars that are 1 to 3 years old, Bentley's, top end Benz's etc
So TD Auto Finance is carrying paper that no one else will tough, if the car is a premium car
If this info helps u, use it
Thanks for the post. My FICO scores are high,. Most times when I purchase, I come with approval already. I did some rate shopping and was approved by everyone I applied to, including my credit union. Silly me did not go there first.
I never buy new cars, but great pre owned. I purchaed a BMW and the place I purchased got me a low interest rate at TD. I could have gotten a lower interest rate with the credit union, it was 2.99% on a used car for 60mths, but they would not go longer. These cars are not cheap and a sista needs as many months as you can give her.
So far so good, they let me pick my payment dates and they are super friendly. I never pay anything late, thank God. I will probably re-fin for a lower interest rate in a year or so.
I'm happy with them. I bought a new Jeep Grand Cherokee in May and they came in with the lowest APR.