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Best interest rate on 2020 rt limited?
- Thread starter Mikey4201
- Start date
carbonation
New member
It's the lowest one you can get with your credit score.
ndspyderlover
New member
I am an exbanker and interest rates depend on multiple factors. The main factor is credit score. Also down payment. everyone does not get the same rate. lots of factors to consider. shop rates like you shop for everything else. shop, shop,shop. rates of a few percentage points does not effect the payment very much.
ARtraveler
R.I.P. Dwayne
What they said above.
And a suggestion that I have posted before.
Dealer's Reserve: If you finance through a dealer without talking to a bank first, you may encounter dealers reserve. The dealer gets a cut of the finance charge. Usually a couple % points. The dealer tells you the finance rate is 7%. Its really 5%. The bank gives the dealer the 2% as a fee, and you end up paying for the 7% on your loan.
It is good to try to obtain the financing on your own. Negotiate the best rate and keep it in the bag. If dealer can beat it, go with the lowest price. Good luck with your purchase. :yes:
And a suggestion that I have posted before.
Dealer's Reserve: If you finance through a dealer without talking to a bank first, you may encounter dealers reserve. The dealer gets a cut of the finance charge. Usually a couple % points. The dealer tells you the finance rate is 7%. Its really 5%. The bank gives the dealer the 2% as a fee, and you end up paying for the 7% on your loan.
It is good to try to obtain the financing on your own. Negotiate the best rate and keep it in the bag. If dealer can beat it, go with the lowest price. Good luck with your purchase. :yes:
Last edited:
Peacekeeper6
Member
Don't bother going through the dealer, because you'll never get the best rate.
I'd start with the credit union you usually deal business with. Historically, CUs have the best rate....at least, that has been my experience.
I'd start with the credit union you usually deal business with. Historically, CUs have the best rate....at least, that has been my experience.
