need advice.

[jsickz32]

Dont they pull your CR like crazy if you apply at the dealer? I dont want 30+ inqs from them. If im gonna finance i rather do it with a CU.

[tooleman694]

yeah you get a ton of INQs, but they one count as one.

I find that the dealer can beat my CU rates typically, and I like to lease. So I let the dealer run me.

[Anonymous]

Not necessarily. If you have good to excellent credit, you get one or two. I only got two when I was approved for my Acura in Nov. 1 from the dealership and 1 from Acura Financial. You only get a bunch of inquiries if you get denied by banks multiple times or are shopping rates. If you get tier 1 auto financing from the dealer, there is no need to do either of those.

[jsickz32]

Hey i was looking at the acura tsx for lease with 0 down. What would the requirements be for that offer?

[Jutz]

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@jsickz32 wrote:
Hey i was looking at the acura tsx for lease with 0 down. What would the requirements be for that offer?

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Hey! I thought you said RWD?

Not sure about leasing, but DCU is pretty great with auto loans.  I'm not sure how it might work with a first time borrower, but technically you qualify for their 1.99% financing on new or used.  They even just financed me on the 2006 S4 I just signed for (5.49% with my EQ at 660, at 675 I would have qualified at 1.99%)

[Anonymous]

Tier 1 through Acura Financial is 720. They tend to pull TU fico. My TU fico was 703 but auto enhanced, it was 724. So you have a good chance of getting the tier 1 lease offer from Acura with your 710 score.

[jsickz32]

TU from letter from barclays says 710.

@Jutz
And you are right its FWD and i hate honda. Im a nissan fan so im gonna go to the dealer today to test drive the new altima and see if i like.

[jsickz32]

Ill just stick to used cars..i have my eyes on this '05 evo 8. Ill apply for used auto loan and see what happens. Thanks for your help

[tooleman694]

For you, used is probably the way to go. Get that loan under your belt and your good to go.

[Jutz]

In that case...DCU!  Only problem is 05 I think is 1 year too old.  Their criteria is that is needs to be paid off by the time the car is 12 years old.  So if you do a shorter term you'd be fine, but their standard 65 month term may be too long.  Either way, nice car.  I used to drive an STi, always loved the Evo.  Decided to grab the adults version of the 2 this time, haha