Who should I apply with?

[Learning_Tee0225]

What are some good places to try and apply for car loans at? I have a relationship with NFCU that was just repaired last month  (meaning fully paid back old CC debt) I had a loan with them prior that i did pay off completely   and still have my chekcing account - Im looking to trade in my 2009 Acura TSX to get an 2022 Acura RDX w/ Tech AWD - 

Im pre Qualifed with Cap one for up to $64,900 - APR is around 6.75 -7.18 dep on term - 

Car im looking to get is 45K MSRP + 4K in taxes I assume as well so about 49K - w/ 10k down (5k Trade in, 5k savings)

Im going to apply with NFCU again as well but, I also want to get a couple of other options JIC NFCU hasnt fully forgiven. I also bank with Bank of America - Any suggestions on who else I should apply with? 

Current Scores  w/ a DTI 1%   and Income 67K

[Credit4Growth]

I must say, being in rebuilding or not my opinion is, that is a high dollar amount for a car at that income level.  To mitigate any impact presumed from my previous statement, on average, auto prices have risen tremendously since a year and a half ago.

I am not familiar with JIC but work your institutional relationships.

It seems apparent you may have some sort of relationship with Acura being that you will be trading-in a TSX.  Have you searched for financing options through the manufacturer or from a specific dealership in which you might have purchased from or done business with in the past? 

Some prefer repeat business!   - that is something I do not want you to overlook.

[MrFiah]

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@Credit4Growth wrote.

I am not familiar with JIC but work your institutional relationships.

It seems apparent you may have some sort of relationship with Acura being that you will be trading-in a TSX.  Have you searched for financing options through the manufacturer or from a specific dealership in which you might have purchased from or done business with in the past? 

Some prefer repeat business!   - that is something I do not want you to overlook.

@Credit4Growth JIC = Just in case

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[Credit4Growth]

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@MrFiah wrote:

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@Credit4Growth wrote.

I am not familiar with JIC but work your institutional relationships.

It seems apparent you may have some sort of relationship with Acura being that you will be trading-in a TSX.  Have you searched for financing options through the manufacturer or from a specific dealership in which you might have purchased from or done business with in the past? 

Some prefer repeat business!   - that is something I do not want you to overlook.

@Credit4Growth JIC = Just in case

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# uggggg!.  I was stumped by an easy one.

[Learning_Tee0225]

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@Credit4Growth wrote:

I must say, being in rebuilding or not my opinion is, that is a high dollar amount for a car at that income level.  To mitigate any impact presumed from my previous statement, on average, auto prices have risen tremendously since a year and a half ago.

I am not familiar with JIC but work your institutional relationships.

It seems apparent you may have some sort of relationship with Acura being that you will be trading-in a TSX.  Have you searched for financing options through the manufacturer or from a specific dealership in which you might have purchased from or done business with in the past? 

Some prefer repeat business!   - that is something I do not want you to overlook.

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Thank you for your response. It does seem rather high however I have no real other obligations. Rent is manageable and no other debt really unless I chose not wreck havoc and creat some 😈 . My prior payment was @ 540 w/insurance on less income and I earn about 30k more now. I've set aside 750 for pymnt and insurance pertaining to my current budget and will do fine. 

 I will actually reach out to the prior dealer and check them out as well. Thanks again. 

[Credit4Growth]

When reaching out to the dealer I would focus my questions to types of promotional programs, or incentives for returning customers. 

If you truely do reach out, I would not like you to be in the situation where they are running your credit multiple time unbeknownst to yourself!

I Keep my reports locked and frozen... I am gardening.

[Legal_Girl]

I always purchase Toyota's from the same dealer. I trade ever 1-2 years, just because I like new cars. I go to the dealer and tell them to only run my credit through SETF (Southeast Toyota Finance). My currect is 2.9% and have never paid more that 4%.Go back to the same dealer and see what your options are...

[Mdowning30]

Nice data point on Cap1, I'm in the process of refinancing myself.