Any recent financings?

scottIN · 12-28-2011, 07:11 AM

My car is supposed to be delivered in about a week and I was wondering what kind of rates people are seeing? I really don't want to shop it a whole lot and get a bunch of hard pulls on my credit since I just refinanced my house and already have a couple in the last few months.

I tried to find Nissan USA's rate and can't find it anywhere except when you do the payment calculator it defaults to 3.79%. I think my local bank is doing 3.49% on 60 mo. right now, so unless Nissan is lower or the dealer has a special arrangement with a bank, that might be my best bet.

svmtbman · 12-28-2011, 01:01 PM

Check your local Credit union, I financed mine at 2.9% when Nissan only offered 3.9%.

canes7 · 12-28-2011, 01:10 PM

I just financed mine thru BofA (yeah.. I know...) at 1.94% for 60 mos.

da mayor · 12-28-2011, 01:58 PM

1.74% for 60 months, 2.24% for 72 months

scottIN · 12-28-2011, 03:10 PM

Best I've found on line so far is PenFed at 2.49 for 60.

martin82 · 12-30-2011, 06:19 AM

1.9% with Capital One 60 months, not advertised but dealer found it for me this was in Nov 2011. 2.49 is still very good.

nmjaxx9 · 12-30-2011, 12:45 PM

I got 2.66% dealer tried to tell me they couldn't go lower than 4.39% or something like that, and I was like okay I don't think I can buy the car...then he was like "Oh, wait sir we can work something out im sure, let me talk to my manager." Came back a minute later with 2.66%

didymus · 12-30-2011, 03:48 PM

I think multiple checks as long as within a month dont hurt your credit any more than one

canes7 · 01-01-2012, 09:38 AM

Quote:

Originally Posted by nmjaxx9

I got 2.66% dealer tried to tell me they couldn't go lower than 4.39% or something like that, and I was like okay I don't think I can buy the car...then he was like "Oh, wait sir we can work something out im sure, let me talk to my manager." Came back a minute later with 2.66%

This is exactly why a buyer should arrange their own financing or be prepared to negotiate the rate with the dealer. If the dealer is doing the financing they will usually get you the loan then tack on a point or two.

2.66% isn't bad!!

Nismo89 · 01-01-2012, 12:20 PM

i think mine is around 2.90% or something maybe a little lower.

nmjaxx9 · 01-01-2012, 12:35 PM

Quote:

Originally Posted by canes7

This is exactly why a buyer should arrange their own financing or be prepared to negotiate the rate with the dealer. If the dealer is doing the financing they will usually get you the loan then tack on a point or two.

2.66% isn't bad!!

Yeah but usually if they run a credit check they can see if you have a good credit score, and most of the times they are able to give you a better interest rate based on that. Luckily mine was in the 750+ range, so I was all set.

chillz · 01-02-2012, 05:55 PM

Quote:

Originally Posted by nmjaxx9

I got 2.66% dealer tried to tell me they couldn't go lower than 4.39% or something like that, and I was like okay I don't think I can buy the car...then he was like "Oh, wait sir we can work something out im sure, let me talk to my manager." Came back a minute later with 2.66%

They tried pretty much the same thing with me. I told them my CU had already approved my loan @ 3.9% so I'd just bring a check for the total, and they magically remembered that there was a 1.99% deal on their CPO cars

Kenny · 01-02-2012, 07:06 PM

Nissan offered me 2.99% and I just laughed. I went to my credit union and they gave me 1.99% for 36 months.

A couple months and payments in, my credit union had a promotional 1.79% for new auto loans.

nmjaxx9 · 01-05-2012, 12:56 AM

Quote:

Originally Posted by chillz

They tried pretty much the same thing with me. I told them my CU had already approved my loan @ 3.9% so I'd just bring a check for the total, and they magically remembered that there was a 1.99% deal on their CPO cars

Yeah dealers are notorious at doing that.

leeb8 · 01-05-2012, 06:23 AM

Guys.....over here in Australia , not only the 370z cost over 60k USD new. U'll be lucky to get 9% rate on financing the cars.

This sucks big time.

12-28-2011, 07:11 AM	#1 (permalink)
scottIN Track Member Join Date: Aug 2011 Location: New Castle, Indiana Posts: 764 Drives: '12 370Z Rep Power: 55	Any recent financings? My car is supposed to be delivered in about a week and I was wondering what kind of rates people are seeing? I really don't want to shop it a whole lot and get a bunch of hard pulls on my credit since I just refinanced my house and already have a couple in the last few months. I tried to find Nissan USA's rate and can't find it anywhere except when you do the payment calculator it defaults to 3.79%. I think my local bank is doing 3.49% on 60 mo. right now, so unless Nissan is lower or the dealer has a special arrangement with a bank, that might be my best bet.

12-28-2011, 01:01 PM	#2 (permalink)
svmtbman Base Member Join Date: Mar 2011 Location: Macon, GA Age: 53 Posts: 219 Drives: 2011 370Z PW M6 Rep Power: 14	Check your local Credit union, I financed mine at 2.9% when Nissan only offered 3.9%. __________________ 2011 Pearl White, Persimmon, Touring, Sport, Navigation, 6sp - PW JDM shift knob, Invidia Gemini CBE, aFe dry filters, HPS intake tubes, JDM fog light, Redline shift boot, LED interior lights, Z1 hood struts, and 30% tint.

12-28-2011, 01:58 PM	#4 (permalink)
da mayor Enthusiast Member Join Date: Dec 2009 Location: Long Island, NY Posts: 313 Drives: #TheGoldenZ Rep Power: 15	1.74% for 60 months, 2.24% for 72 months __________________ #TheGoldenZ [GTSPEC][RAVSPEC][AutoVisionNY][631Coatings vinylwrapped][Evo-R][SoFreshLifestyle][Intrack Tires][Project Mu][MXP][HempsteadAutoCollision][SNTRL]

01-01-2012, 12:20 PM	#10 (permalink)
Nismo89 A True Z Fanatic Join Date: Mar 2011 Location: Colora, MD Age: 35 Posts: 15,831 Drives: daily Zen and woosah Rep Power: 37386	i think mine is around 2.90% or something maybe a little lower. __________________ Why yes.. Mike Rowe of Dirty Jobs, The Ford Commericals,Deadliest Catch.. is my cousin. Facebook i outta back hand you with my right hand! and call you b*tch!..... and im Left handed!

01-02-2012, 07:06 PM	#13 (permalink)
Kenny Enthusiast Member Join Date: Nov 2010 Location: Los Angeles, CA Posts: 330 Drives: 2011 Nissan 370Z Rep Power: 15	Nissan offered me 2.99% and I just laughed. I went to my credit union and they gave me 1.99% for 36 months. A couple months and payments in, my credit union had a promotional 1.79% for new auto loans. __________________

12-28-2011, 01:10 PM	#3 (permalink)
canes7 Base Member Join Date: Dec 2011 Location: NC Posts: 129 Drives: '11 BC/Tour/Spt/7at Rep Power: 13	I just financed mine thru BofA (yeah.. I know...) at 1.94% for 60 mos.

12-28-2011, 03:10 PM	#5 (permalink)
scottIN Track Member Join Date: Aug 2011 Location: New Castle, Indiana Posts: 764 Drives: '12 370Z Rep Power: 55	Best I've found on line so far is PenFed at 2.49 for 60.

12-30-2011, 06:19 AM	#6 (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	1.9% with Capital One 60 months, not advertised but dealer found it for me this was in Nov 2011. 2.49 is still very good.

12-30-2011, 12:45 PM	#7 (permalink)
nmjaxx9 A True Z Fanatic Join Date: Jul 2011 Location: Middletown, Ct Posts: 5,853 Drives: 2011 Nissan 370z Rep Power: 26	I got 2.66% dealer tried to tell me they couldn't go lower than 4.39% or something like that, and I was like okay I don't think I can buy the car...then he was like "Oh, wait sir we can work something out im sure, let me talk to my manager." Came back a minute later with 2.66%

12-30-2011, 03:48 PM	#8 (permalink)
didymus Track Member Join Date: Jun 2009 Location: Providence / Boston Posts: 564 Drives: 280 / 370Z Rep Power: 306	I think multiple checks as long as within a month dont hurt your credit any more than one

01-05-2012, 06:23 AM	#15 (permalink)
leeb8 Base Member Join Date: Dec 2011 Location: Australia Posts: 7 Drives: 2011 370z 6 Speed Rep Power: 13	Guys.....over here in Australia , not only the 370z cost over 60k USD new. U'll be lucky to get 9% rate on financing the cars. This sucks big time.

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