tried financing a car at carmax. 17 percent apr? the heck?

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 07-20-2011, 03:48 PM         #21
AKS MUZIK 
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17% that is crazy....unless u have bad credit I would not sign.

Get a line of credit or go to your bank...interest rates are still low.
 07-20-2011, 04:48 PM         #22
KrayzieCMB 
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 991 said:
That's robbing people. But just a question, are u able to lower the apr to someone or does that type of request have to go through ur boss?
With my dealership it is only up to the bank. We have no say in what apr people can get.

Edit: Some dealers do in house financing and would have flexibility on the rates. I work at my family's Chrysler/Dodge dealership and when Chrysler Financial went bankrupt we couldn't do in house anymore.


Last edited by KrayzieCMB; 07-20-2011 at 04:50 PM..
 7 years ago '09        #23
Jacc Blacc 56 heat pts56
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17% damn, your credit is either non-existent or low as fukk

how many banks came up when they were looking for a loan for you??? usually you get 2 or 3 banks with different apr
 7 years ago '05        #24
Micheal C. Will 21 heat pts21
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Even when my credit was sh*t....I never had an APR over 11% percent for a vehicle.

@ the dude who got financed at almost 30% that's crazy....
 07-20-2011, 10:40 PM         #25
KrayzieCMB 
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 Killamike79 said:
Even when my credit was sh*t....I never had an APR over 11% percent for a vehicle.

@ the dude who got financed at almost 30% that's crazy....
When I did the paperwork up with the guy I almost felt bad about it. I didn't have a say in the matter and he agreed to the terms so I shouldn't feel like he got ripped.
 7 years ago '07        #26
Spoken210 4 heat pts
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yeah don't do it. go to a credit union, they can get you down to probably 10% which isn't too good but better than 17%
 7 years ago '04        #27
JFamis 236 heat pts236
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A credit union may not be much lower. I went to two credit unions last week and I have a 674 and both quoted me at 13.99%. I have school and medical bills out the a.ss though.
 7 years ago '06        #28
991 26 heat pts26 OP
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 Spoken210 said:
yeah don't do it. go to a credit union, they can get you down to probably 10% which isn't too good but better than 17%
I have 2 more payments left with ford credit from a 66 month term. Think ill do my last 2 payments and see what they can do for me again.I was paying 9.2 pcnt on a brand new truck. My gma signed with me tho and she has excellent credit.then again idk what the heck to do still. Just know I ain't goin to stealmax
 7 years ago '06        #29
991 26 heat pts26 OP
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 legendisdope said:
homie i was 18 and got financed through a cred union for like 7.5%

now im down to 5% with my current loan [22 now].. u got ripped the fu*k off tho

but its ok.. my homeboy who just started out.. his rate is up there in the 27s



well I didn't have 9.2 pcnt through credit union. It was ford credit
 7 years ago '10        #30
GUNITZCAPO 
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man i aint have no credit or debt at all n my sh*t was around 15%...
 7 years ago '09        #31
Jacc Blacc 56 heat pts56
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 Killamike79 said:
Even when my credit was sh*t....I never had an APR over 11% percent for a vehicle.

@ the dude who got financed at almost 30% that's crazy....
i could buy a car cheaper by using my credit card
 7 years ago '09        #32
shawnathan88 
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Whoa... 17%??? Your credit score isn't the high but still. I got a new CTS back in '08, put $10k down, financed the other $23k at 8.9% with BofA, then refinanced it with BofA 2 years later at 3.5%. Anything over 10% on a long term loan like this is ridiculous.
 7 years ago '04        #33
JFamis 236 heat pts236
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Yo... I just went to the VW dealership to check out this 2003 TL and told them about my 14% interest predicament, they ran my credit and got me a brand new 2011 Jetta with only 3.74%. My payments are only $95 more a month for a brand new car with a warranty, versus getting an eight year old car without one that would likely explode. Just some sh*t to think about.
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