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Haven’t financed a car in the last two years when I got 1.9% on a new Honda but curious if you’re looking at new or used. If new, some brands are having really good financing deals like 0% for 72 months.
Cheap cars: dealer incentives. Luxury cars: check credit unions.
0 percent thru Subaru
0% through Toyota. Got summer incentives as well as recent grad incentives. Minus 4K in total + 0 percent. Felt my negotiation worked well. Had the salesperson go to their manager for 5 or 6 six times back and forth
0.9% through BMW
I see 0.9% listed on BMWusa.com for the M5 FYI, at least in my zip code
Pro
2.24% from credit union so I could still take dealer incentives (vs 0%).
Credit union gave me 3.5%. Used car.
It was a refinance, cut my rate in half from when I first bought it
0.9 through toyota
Last time I got a car they gave a shitty rate, and was ready to walk out. Suddenly the sales rep “found” this deal that made my rate 1.9%....
1% through Honda. I told them my credit union could do it, so they matched it.
3.59% from BoA for a Tesla
3% from TD
Pro
Stanford credit union quoted me 2.4% for a 25k used car loan last month. My credit is 800+. I didnt pull the trigger bc most dealers have 0% right now and I dont need a car too badly yet...
.99 from lightstream
I got 2.39 from a local credit union.