I decided it was likely best to wait a couple years, and used my would be down payment to buy a pristine 03 350z with low miles that feels brand new... hopefully it was a wise decision :).

If I apply and approved for Penfed 3.99 APR but decided to buy the car in next 2 months, am I still approved by then or the deal is canceled??

AAA Auto Loans
 

FYI, AAA is currently offering 3.49% auto loans on new or used 2009 and 2010 models, you can even refinance your existing loan.

The actual loan is underwritten by a credit union and will vary by location, but AAA acts as the broker and collects and processes all the paperwork.

Low Auto Loan Rates
for AAA Members

If you're not a member I think it costs you $52 for the year plus a $17 sign up fee.

Your check or approval should be good for 90 days. Give them a call to make sure.

Yeah, it's 90 days. I just talked to them a few days ago. However, the APR is what it is at the time you cash that check. So if they change their rates(which haven't changed since AK made this thread by the way), it will be the current rate whenever you finally find and buy the car.

I just setup an account with them and applied for the loan, so I'm in that 24 check period. Once I know their final numbers, I'll call the dealership back and let them know... See if they can beat $510/mo.

Check your PM's I have a little plan for you to get more money out of that AZ dealer...muhhaaa

Imma go back there this weekend and implement stage II of our plan. :stirthepot:

Trust me it will work.

Apr
 

FUSZ,

Any insight for the South East region? I ordered the car in Feb and ETA is May.. DB

Insight on what exactly?

Is that because they aren't really selling that great based on the economy?

Nope. I can't give you all my secrets, just follow my plan.

So with the offer made by the original poster, did he NOT pay the $720 Destination? What about all the charges like documentation fees?

You must pay the destination fee.
Documentation fees vary from dealership, I paid 50, anything over 100 and they are trying to just screw you.