What interest rate can I expect?

[Anonymous]

I was wondering what I could expect for an interest rate based on the following:

Credit Score: 690 (FICO from Credit Scorecard @ Discover)
AAoA: 13 years 2 months (Discover) - however credit karma shows 1yr 9mo due to having one current credit card.
# of positive trade lines: 9 (1 open, 8 closed)
# of negative trade lines: 1x 30 days late (will drop off history in ~ 4 months)
Income: $118,725 + yearly profit sharing bonus
Lenght of Employment: 5 yr 7 mo
Previous Loan Experience: Multiple previous auto loans, one left on credit history, paid in full, 1x 30 day late.
Debt-to-Income (DTI): 17%
Year of Car: 2018/2019
Miles: 0
Purchase/Refinance: purchase
Requested loan term (XX Months): 72mo - 84mo
Down payment amount: 5000
Co-borrower/Co-Signer: Spouse (fico possibly lower?)
Other:
financing between $50,000 and $60,000.

[Anonymous]

nobody can predict interest rates...that's why you have gotten like no responses.

[JGGM]

I'd avoid 84-month financing. Interest rates are typically too high. Frankly, if it takes more than 3 or 4 years to pay off a vehicle, it's my opinion that you shouldn't buy it.....mine you I work at a car dealership. But that's off topic I guess.

Typically the rate you get will be about the same 60 months and less. At 72 months there is typically a 1/4-1/2 point difference in rate. 84 months, as I said earlier, is typically too high, by today's standards. Probably should check out a local credit union and see what they have to offer. I find that their rates are almost always better than your large banks and captive lenders.

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@Anonymous wrote:

I was wondering what I could expect for an interest rate based on the following:

@Anonymous Score: 690 (FICO from Credit Scorecard @ Discover)
AAoA: 13 years 2 months (Discover) - however credit karma shows 1yr 9mo due to having one current credit card.
# of positive trade lines: 9 (1 open, 8 closed)
# of negative trade lines: 1x 30 days late (will drop off history in ~ 4 months)
Income: $118,725 + yearly profit sharing bonus
Lenght of Employment: 5 yr 7 mo
Previous Loan Experience: Multiple previous auto loans, one left on credit history, paid in full, 1x 30 day late.
Debt-to-Income (DTI): 17%
Year of Car: 2018/2019
Miles: 0
Purchase/Refinance: purchase
Requested loan term (XX Months): 72mo - 84mo
Down payment amount: 5000
Co-borrower/Co-Signer: Spouse (fico possibly lower?)
Other:
financing between $50,000 and $60,000.

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[Anonymous]

As previous replies have shown, probably far too many variables to determine your interest rate. I’ve financed $60K-$70K vehicles, but never more than 72 months and that one was at .99% as a special offer. With the credit profile you described, you may need to set your sights a little lower. Perhaps consider a certified pre-owns vehicle, all the benefits of a new car (warranty, maintenance plan, etc) but at a much better price. I haven’t bought “new” since 1997 but have owned 6 cars/trucks and 2 motorcycles since then, all certified pre-owned.