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Hello everybody. About a year ago, I purchased a 2008 BMW 535xi and Chase gave me an auto loan at 4.4%. This month, I purchased a 2008 BMW X3si and Chase gave me an auto loan at 3.2%. How in the world can Chase give rates that are that low to people? I was really surprised since I'm only 22 and my credit score was ~720, and am wondering if anyone else has experienced the same with other banks. I think the banker might have not been able to use a calculator or something.
RBFCU offers sub 4% loans. They are probably trying to complete with BMW finance that is opffering sub 1% loans. Not to worry about the banker making a mistake. Once its it on paper and signed, its a done deal.