Best 72 month APR / Rate?

[Reel Irie]

Where is everyone getting their best rate? Would like to walk in dealer with a pre-approval...

 

[Luxy72462]

Bighorns have 0/72 right now. Think it expires today.


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[Reel Irie]

Bighorns have 0/72 right now. Think it expires today.


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That would be great if you did not loose the other incentives (at least two dealers claimed that)

 

[SacRebel]

It’s always like that. Rebates or financing deals. You might get a $500 loyalty or dealer rebate but that’s about it. Fortunately there are a lot of dealers with 2019 and 2020 models still on the lot with 2021’s coming soon. You should be able to negotiate the difference.

 

[UnloosedChewtoy]

The lowest I've ever gotten with a car was 3-3.5% with incentives/rebates, but that was five-six years ago. It looks like auto loans are a touch high across the board right now, didn't get quite that low on the Ram last month (Chrysler Capital) or the wife's 2018 Grand Cherokee in March (Wells Fargo).

 

[SpeedyV]

Where is everyone getting their best rate? Would like to walk in dealer with a pre-approval...

I did a quick check on a couple of banks we’ve used...Alliant Credit Union is offering as low as 2.74% on new vehicles (don’t know the term). NDFCU is at 3.97%. EECU is at 3.04% for 72 mo. Good luck!

 

[dinomufin]

Drove home in a 2020 "built to serve" in Ceramic Gray this weekend. Rate was 2.8%.

 

[LaxDfns15]

If you're looking at 72 month it's going to be like everyone else said, financing or rebates. I got 0% for 36 months plus rebates. I was already going to pay as much as the 36 month payment, so why not get 0 interest on it? Saved me a few thousand.

 

[Sonnie]

Penfed.org is who I've used frequently. At the time I purchased mine, they were 2.99% on 72 months... while the dealer was at 3.35 (something like that)... and when I told the dealer the Penfed rate, he came back with 2.64% thru Bank of America, who I've also used in the past. I just checked Penfed and it looks like they may be running a special at 2.49% on 72 months.

 

[Paultg]

My local credit union is doing 2.49% up to 65m. It jumps to 3.49 for 72m.
dcu.org

 

[j_drew]

USAA @ 2.44 (if you enroll in automatic payments (-.25%) and use their car finder service (-.50%)).
Navy Federal Credit Union 2.29% @ 72mo

 

[PowerJrod]

Where is everyone getting their best rate? Would like to walk in dealer with a pre-approval...

Used my own credit union. 3.05%. I never go through a dealer anymore.

 

[PowerJrod]

Drove home in a 2020 "built to serve" in Ceramic Gray this weekend. Rate was 2.8%.

Trade ya! Lol. Very nice Ram you have there.

 

[BamaEngineer]

72 months at 2.49%

MidFlorida Credit Union


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[highgear2005]

I took all the dealer rebates, used their financing my rate was 4.1% waited three months, refinanced with my local credit union at 2.1% best of both worlds.


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[Aseras]

You don't need to wait, you can refi as soon as you get your registration and the title is processed. Within the first week. The wait 3 months BS is so the dealer doesn't get a chargeback for you refinancing too soon. Don't waste you money, refi ASAP unless you have a promo rate below what any bank will offer.

do the math too. 0% sounds awesome but you usually loose some or all of the rebates. so if you have a 60 month loan at 3% on a $65,000 truck is going to cost you $5k in interest. if you get 0% but loose $15K in rebates, it's a bad deal and if you need the payments lower, you are buying too much vehicle.

 

[Wsmith]

Mine is 4.45%, with top tier credit. After 120 days I am switching to my local credit union. 2.25%. Did the Chrysler for the $1,500 financing rebate.

 

[Wsmith]

You don't need to wait, you can refi as soon as you get your registration and the title is processed. Within the first week. The wait 3 months BS is so the dealer doesn't get a chargeback for you refinancing too soon. Don't waste you money, refi ASAP unless you have a promo rate below what any bank will offer.

do the math too. 0% sounds awesome but you usually loose some or all of the rebates. so if you have a 60 month loan at 3% on a $65,000 truck is going to cost you $5k in interest. if you get 0% but loose $15K in rebates, it's a bad deal and if you need the payments lower, you are buying too much vehicle.

Unfortunately the owner of the dealership is in my golf league, somewhat of a friend, so I will wait the 120 days.

 

[5thGenRebel_AMK]

Where is everyone getting their best rate? Would like to walk in dealer with a pre-approval...

if you have great credit, you can always ask the outside lending party for a 'rate exception'. i got 25 bps off the bank's advertised rate by doing this

 

[Wsmith]

if you have great credit, you can always ask the outside lending party for a 'rate exception'. i got 25 bps off the bank's advertised rate by doing this

I will get .25% off for my credit and .25% for auto pay. The regular rate is 2.75%.