Congrats!!...I have a Sequoia...but didn't qualify for Toyota rates....now things have turned around and DH scores are heading toward the 730 range....BUT...he has a 2003 BK...perfect credit since...is it only score driven or is a BK a dealbreaker? Just wondering cause my DH wants a Tundra in a couple years
Me, I'm holding out for a Lexus SUV
...many years down the FICO road
...many years down the FICO roadMy scores are around 680.
Congrats you show-off! hahahaha lol JK!
MidnightVoice wrote:
shirleyland wrote:
Midnight voice, do you mind sharing the interest rate you received and what are your scores.
Standard Toyota Corolla incentive, requires a FICO above 730. They checked my EQ, I know it was in the 780's, but the report they pulled said 797 (auto-enhanced FICO??)2008 Corolla$1000 Customer Cash
Or
2.9% APR for 36 Months
3.9% APR for 48 Months
4.9% APR for 60 Months
Congrats MV! Those are awesome rates.
Starting Score (2/2010): TU-767, EQ-745
@fused wrote:Congrats you show-off! hahahaha lol JK!
@MidnightVoice wrote:
@shirleyland wrote:Midnight voice, do you mind sharing the interest rate you received and what are your scores.Standard Toyota Corolla incentive, requires a FICO above 730. They checked my EQ, I know it was in the 780's, but the report they pulled said 797 (auto-enhanced FICO??)2008 Corolla$1000 Customer Cash
Or
2.9% APR for 36 Months
3.9% APR for 48 Months
4.9% APR for 60 Months
That an success story to encourage the others
Just the delightment of having a high fico score makes it worthwhile to try and achieve. When you buy a car and walk in to the dreaded finance office you can sit down with confidence and say "What can you do for me". You're the one in charge. It's a good feeling when you can just walk out and they say "Just hold on a minute I'll see if I can change this", only to have him walk back in with a much more favorable deal. What a great feeling. I know of only one feeling better!!!
I'll go you one better. When they ask how your credit is, you can say 
k I guess, I havent check it for years" Just to see what they will say and how honest they are. It also pays to have the scores in your back pocket in case they arent.
k I guess, I havent check it for years" Just to see what they will say and how honest they are. It also pays to have the scores in your back pocket in case they arent.
barbarino wrote:
You got sold twice.
1. 1st time was thinking you were getting a "ridiculously low apr"
2. The 2nd time in believing the lady actually meant what she said..
You can get 0% on car loans for having a 640 Fico.. So unless your apr is lower than 0% you got ripped off and your fico did nothing to help you.
How do I know? Had a 640 a few years back, got a 0% car loan.. They don't care, they need to move cars right now since car dealers are hurting, yes even Toyota...You should have demanded 0% and they would have giving it to you.
Kids these days..
I am crushed grandad