How I have scored invoice pricing with 3.99% APR on my 370Z?

TongMan · 08-17-2010, 09:54 AM

My credit went down because I have the 370z loan under my belt. I'll wait until my 5th payment and then refinance with penfed or bank of America.

Footloose301 · 10-03-2010, 07:47 AM

I'm showing a 2.99% option now for Pentagon. I will applying shortly, but I have no idea what my score is.

2 years ago I was turned down for a $31,000 loan with $2000 cash down and a score of 630 or similar.

Now I bought a 370Z for $31500(after taxes and such, used 2009 with an upside down trade), and I put $500 down and got 7.9% about 5.5 months ago thru Nissan Motor Credit. But I have no idea what my score was.

NOW, I have totaled my car Friday morning at 2:30am and just waiting on insurance to call me back Monday about it. I'm pretty sure it's totaled, but it'll be close. I plan on using the invoice pricing here in the forums to negotiate a new 2010 and thru Pentagon I might be able to afford a bit more at a lower interest rate.

So, I'm curious. I have no idea what my FICO score is and two years ago it was 630 or so..... I'm guessing now it's 675+? What types of interest rates are you guys getting with this score?

I'm desperate to get back into another Z. I can't decide whether I want Red or Black again. All I care about is the 6spd with Sport Package. I don't care about other goodies but if I can score them as a bonus, then sweet. Nismo would be nice but I don't see myself getting one of those because I can't see a dealer getting rid of a Nismo at invoice. I'm willing to fly across the country and drive back if I have to.

Findlay · 10-06-2010, 02:48 AM

Quote:

Originally Posted by mr_sparkle

true... bank of america offers 3.25% which is what I got...

Yep, if you're top tier, BofA has 2.99 for 60 mos or 3.29 for 72 on 2009 and 2010 cars purchased from a dealer right now (including used if they're 2010 model year). Combo that with these crazy end of model year below-invoice pricing the dealers are starting on their remaining inventory and you can get a smoking deal right now.

humbee2001 · 11-30-2010, 08:54 PM

Hi guys. I'm now a proud owner of 370Z! I got 2.99% for 72 months at SECU. I think if you're from Maryland, you can be a member of this credit union (secumd.org).

kenchan · 12-10-2010, 03:17 PM

72 months loan?

cujo · 12-26-2010, 03:26 PM

Hi guys
I wonder if there are any penalty charge to refinance if I just bought it last month and my original loan is through Nissan

ROLLingKING · 01-08-2011, 10:59 AM

Sweeeeet!!!

Banana29 · 01-14-2011, 02:30 AM

lol. Where's GT-R Man? I was being entertained. For some reason I read everything he had put down with some sort of Italian Godfather type accent. And I didn't realize I was reading it as such until several pages into the forum.

I like GT-R Man.

Mr. GT-R man, I was wondering...what would be the best way to negotiate a lease? The dealer always seems to want to negotiate higher down payments and lower monthly payments rather than the total price. How should I go about getting the best lease deal? Should I offer a few hundred above invoice or how does this work?

EckoTx · 07-28-2011, 05:53 PM

For all of you who are about to get the 370z read carefully all this information here cause it really helps out to get educated and know what to do when you first put your foot inside a dealer.

martin82 · 11-15-2011, 09:28 PM

FYI I got 1.99% with capital one for 60 months!

martin82 · 11-15-2011, 09:29 PM

Banana what car are you looking to get?

LakeShow · 11-15-2011, 10:07 PM

Quote:

Originally Posted by martin82

FYI I got 1.99% with capital one for 60 months!

Nice. Did the dealer offer it or did you find it yourself?

martin82 · 11-15-2011, 11:58 PM

Dealer actually found it for me. Penfed is 2.99 for 60 months, 1.99 for less months. I told the dealer I can get 1.99 somewhere else but they found me that deal!

martin82 · 11-16-2011, 01:08 AM

Quote:

Originally Posted by Footloose301

I'm showing a 2.99% option now for Pentagon. I will applying shortly, but I have no idea what my score is.

2 years ago I was turned down for a $31,000 loan with $2000 cash down and a score of 630 or similar.

Now I bought a 370Z for $31500(after taxes and such, used 2009 with an upside down trade), and I put $500 down and got 7.9% about 5.5 months ago thru Nissan Motor Credit. But I have no idea what my score was.

NOW, I have totaled my car Friday morning at 2:30am and just waiting on insurance to call me back Monday about it. I'm pretty sure it's totaled, but it'll be close. I plan on using the invoice pricing here in the forums to negotiate a new 2010 and thru Pentagon I might be able to afford a bit more at a lower interest rate.

So, I'm curious. I have no idea what my FICO score is and two years ago it was 630 or so..... I'm guessing now it's 675+? What types of interest rates are you guys getting with this score?

I'm desperate to get back into another Z. I can't decide whether I want Red or Black again. All I care about is the 6spd with Sport Package. I don't care about other goodies but if I can score them as a bonus, then sweet. Nismo would be nice but I don't see myself getting one of those because I can't see a dealer getting rid of a Nismo at invoice. I'm willing to fly across the country and drive back if I have to.

FYI, each time a dealer or anyone runs your credit you are entitle to a copy. You need to call the companies that ran your credit and and automated prompt after giving your social security number it mails you an original copy! Also if you ask the dealer what the credit score is, they will show you, but usually will not provide you with a copy. You need to all the credit experian, etc.

LakeShow · 11-16-2011, 01:14 AM

Quote:

Originally Posted by martin82

Dealer actually found it for me. Penfed is 2.99 for 60 months, 1.99 for less months. I told the dealer I can get 1.99 somewhere else but they found me that deal!

Dealer wasn't going lower than 5% for me and after I said I am not signing for that in the finance office because I knew I could get lower and I got my 1.99 and then signed the papers. Dealers are so sneaky.

10-03-2010, 07:47 AM	#212 (permalink)
Footloose301 A True Z Fanatic Join Date: Apr 2010 Location: Naples, FL Posts: 2,659 Drives: 40th Rep Power: 21	I'm showing a 2.99% option now for Pentagon. I will applying shortly, but I have no idea what my score is. 2 years ago I was turned down for a $31,000 loan with $2000 cash down and a score of 630 or similar. Now I bought a 370Z for $31500(after taxes and such, used 2009 with an upside down trade), and I put $500 down and got 7.9% about 5.5 months ago thru Nissan Motor Credit. But I have no idea what my score was. NOW, I have totaled my car Friday morning at 2:30am and just waiting on insurance to call me back Monday about it. I'm pretty sure it's totaled, but it'll be close. I plan on using the invoice pricing here in the forums to negotiate a new 2010 and thru Pentagon I might be able to afford a bit more at a lower interest rate. So, I'm curious. I have no idea what my FICO score is and two years ago it was 630 or so..... I'm guessing now it's 675+? What types of interest rates are you guys getting with this score? I'm desperate to get back into another Z. I can't decide whether I want Red or Black again. All I care about is the 6spd with Sport Package. I don't care about other goodies but if I can score them as a bonus, then sweet. Nismo would be nice but I don't see myself getting one of those because I can't see a dealer getting rid of a Nismo at invoice. I'm willing to fly across the country and drive back if I have to. __________________ 2010 40th Anniversary 370Z Last edited by Footloose301; 10-03-2010 at 08:00 AM.

12-26-2010, 03:26 PM	#216 (permalink)
cujo Base Member Join Date: Nov 2010 Location: California Posts: 99 Drives: 2010 370z Roadster Rep Power: 15	Hi guys I wonder if there are any penalty charge to refinance if I just bought it last month and my original loan is through Nissan __________________ Brilliant Silver/Roadster/Touring/6MT/Fast Intentions.

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08-17-2010, 09:54 AM	#211 (permalink)
TongMan A True Z Fanatic Join Date: Feb 2010 Location: NorCal Posts: 1,297 Drives: 2013 Nissan GTR Rep Power: 715	My credit went down because I have the 370z loan under my belt. I'll wait until my 5th payment and then refinance with penfed or bank of America.

11-30-2010, 08:54 PM	#214 (permalink)
humbee2001 Base Member Join Date: Nov 2010 Location: Maryland Posts: 2 Drives: 2010 370Z PW 6MT SP Rep Power: 15	Hi guys. I'm now a proud owner of 370Z! I got 2.99% for 72 months at SECU. I think if you're from Maryland, you can be a member of this credit union (secumd.org).

12-10-2010, 03:17 PM	#215 (permalink)
kenchan A True Z Fanatic Join Date: Aug 2009 Location: N/A Posts: 76,801 Drives: N/A Rep Power: 141521	72 months loan?

01-08-2011, 10:59 AM	#217 (permalink)
ROLLingKING Base Member Join Date: Jan 2011 Location: DC Posts: 9 Drives: 98 VW Jetta VR6 Rep Power: 14	Sweeeeet!!!

01-14-2011, 02:30 AM	#218 (permalink)
Banana29 Base Member Join Date: Jan 2011 Location: Glendale, CA Posts: 10 Drives: 06 Nissan 350Z Wh 6 Rep Power: 14	lol. Where's GT-R Man? I was being entertained. For some reason I read everything he had put down with some sort of Italian Godfather type accent. And I didn't realize I was reading it as such until several pages into the forum. I like GT-R Man. Mr. GT-R man, I was wondering...what would be the best way to negotiate a lease? The dealer always seems to want to negotiate higher down payments and lower monthly payments rather than the total price. How should I go about getting the best lease deal? Should I offer a few hundred above invoice or how does this work?

07-28-2011, 05:53 PM	#219 (permalink)
EckoTx Base Member Join Date: Jun 2011 Location: Texas Posts: 13 Drives: 2011 370z Gun Met M6 Rep Power: 14	For all of you who are about to get the 370z read carefully all this information here cause it really helps out to get educated and know what to do when you first put your foot inside a dealer.

11-15-2011, 09:28 PM	#220 (permalink)
martin82 A True Z Fanatic Join Date: Nov 2011 Location: los angeles Posts: 2,636 Drives: 12 Nissan 370Z MB M6 Rep Power: 20	FYI I got 1.99% with capital one for 60 months!

11-15-2011, 09:29 PM	#221 (permalink)
martin82 A True Z Fanatic Join Date: Nov 2011 Location: los angeles Posts: 2,636 Drives: 12 Nissan 370Z MB M6 Rep Power: 20	Banana what car are you looking to get?

11-15-2011, 11:58 PM	#223 (permalink)
martin82 A True Z Fanatic Join Date: Nov 2011 Location: los angeles Posts: 2,636 Drives: 12 Nissan 370Z MB M6 Rep Power: 20	Dealer actually found it for me. Penfed is 2.99 for 60 months, 1.99 for less months. I told the dealer I can get 1.99 somewhere else but they found me that deal!