User Panel
User Panel
User Panel
|
Posted: 3/30/2020 2:11:03 PM EDT
[#1]
Lol what?
|
|
|
|
Posted: 3/30/2020 2:11:49 PM EDT
[#2]
Why would anyone buy a vehicle right now anyway?
|
|
|
|
Posted: 3/30/2020 2:12:29 PM EDT
[#3]
Well if that’s all true then there is no way you wouldn’t qualify for the 0%.
|
|
|
|
Posted: 3/30/2020 2:12:41 PM EDT
[#4]
Quote HistoryQuoted: Well if that’s all true then there is no way you wouldn’t qualify for the 0%. |
|
|
|
Posted: 3/30/2020 2:12:42 PM EDT
[#5]
If that’s what they told you, then they are dumb as fuck.
Not sure what that says about you being in a Chrysler dealership in the first place... 
|
|
|
|
Posted: 3/30/2020 2:12:57 PM EDT
[#6]
He quite likely did you a yuge favor.
|
|
|
|
Posted: 3/30/2020 2:13:08 PM EDT
[#7]
Quote HistoryQuoted: Why would anyone buy a vehicle right now anyway? Aren't some dealerships offering like 0% interest for 87 months? |
|
|
|
Posted: 3/30/2020 2:13:29 PM EDT
[#8]
Lmao seriously? That can't be right.
A few weeks back, I financed a 2020 TRD Pro 4runner with a 770 score, 20k down and ended up at 3.49% for 60 months. I thought that was maybe a little high, but nothing I was going to bitch about. 9% or whatever is laughable in the extreme, especially with your numbers. |
|
|
|
Posted: 3/30/2020 2:13:58 PM EDT
[#9]
Quote HistoryQuoted: If that's what they told you, then they are dumb as fuck. Not sure what that says about you being in a Chrysler dealership in the first place... |
|
|
|
Posted: 3/30/2020 2:15:02 PM EDT
[#10]
8.9% wtf?
What if you did zero down? |
|
|
|
Posted: 3/30/2020 2:15:05 PM EDT
[#11]
Either your credit score isn't what you think it is, or you just walked out of one of the slimiest dealerships in the country.
|
|
|
|
Posted: 3/30/2020 2:15:12 PM EDT
[#12]
You have a 100% secure government job which pays six figures? How?
You want a Dodge? Why? |
|
|
|
Posted: 3/30/2020 2:15:13 PM EDT
[#13]
Quoted: Was told by the dealership's finance guy that my 814 credit score didn't meet the standards for their 0% loan, but they'd finance me at 8.9%. Income at $100k, no mortgage, 20% down. I laughed and walked out. I was the only customer there. Who needs sales when you get a taxpayer bailout. A year ago, a dude I know in the low 600's got 0.9% with 0 down. Chrysler is up in the night. |
|
|
|
Posted: 3/30/2020 2:16:10 PM EDT
[#14]
Pretty soon credit scores will be like cash: you'll need a wheelbarrow to carry anything of value.
|
|
|
|
Posted: 3/30/2020 2:16:11 PM EDT
[#15]
Quote HistoryQuoted: Why would anyone buy a vehicle right now anyway? Something about the law of supply and demand. |
|
|
|
Posted: 3/30/2020 2:16:40 PM EDT
[#16]
He's getting a bigger kick back on a worse loan.
|
|
|
|
Posted: 3/30/2020 2:17:18 PM EDT
[#17]
Dealership must get a better kick back to finance you at 8.9% than the other incentives.
Could always beat them down on price, then immediately refi through your credit union at a much lower rate. It'll probably screw them when you pay off the loan a week later. |
|
|
|
Posted: 3/30/2020 2:17:19 PM EDT
[#18]
Cool story bro
|
|
|
|
Posted: 3/30/2020 2:17:29 PM EDT
[#19]
Why is it so low?
|
|
|
|
Posted: 3/30/2020 2:17:31 PM EDT
[#20]
Quote HistoryQuoted: Well if that’s all true then there is no way you wouldn’t qualify for the 0%. But their local bank would finance me for 3.9. |
|
|
|
Posted: 3/30/2020 2:18:04 PM EDT
[#21]
Shitty dealers doing shitty dealer things. Unpossible.
|
|
|
|
Posted: 3/30/2020 2:18:45 PM EDT
[#22]
Quote HistoryQuoted: He quite likely did you a yuge favor. Quote HistoryQuoted: He quite likely did you a yuge favor. Not sure what that says about you being in a Chrysler dealership in the first place... Hemi, brah. |
|
|
|
Posted: 3/30/2020 2:19:19 PM EDT
[#23]
Quote HistoryQuoted: If that’s what they told you, then they are dumb as fuck. Not sure what that says about you being in a Chrysler dealership in the first place... |
|
|
|
Posted: 3/30/2020 2:19:43 PM EDT
[#24]
|
|
|
|
Posted: 3/30/2020 2:19:52 PM EDT
[#25]
there's a pretty fair chance that the F&I manager didn't like you
|
|
|
|
Posted: 3/30/2020 2:20:09 PM EDT
[#26]
Quote HistoryQuoted: Why would anyone buy a vehicle right now anyway? Sometimes they get totaled and you have to. For the OP, maybe it's on select models but the 8 percent sounds like BS or your credit score isn't what you think it is. 
|
|
|
|
Posted: 3/30/2020 2:20:30 PM EDT
[#27]
Quoted: Was told by the dealership's finance guy that my 814 credit score didn't meet the standards for their 0% loan, but they'd finance me at 8.9%. Income at $100k, no mortgage, 20% down. I laughed and walked out. I was the only customer there. Who needs sales when you get a taxpayer bailout. OP I had a similar thing happen to me at the Ford dealer on Saturday. My income isn't as awesome as yours and my fico score is 785 and they told me no way I'd get the 0% apr but they'd be happy to give me something in the 6% range. I lol'd in his face and walked out and noticed I was the only customer there. |
|
|
|
Posted: 3/30/2020 2:20:48 PM EDT
[#28]
Quote HistoryQuoted: THE DEALS. Aren't some dealerships offering like 0% interest for 87 months? Quote HistoryQuoted: Quoted: Why would anyone buy a vehicle right now anyway? Aren't some dealerships offering like 0% interest for 87 months? yup |
|
|
|
Posted: 3/30/2020 2:21:15 PM EDT
[#29]
Quote HistoryQuoted: Either your credit score isn't what you think it is, or you just walked out of one of the slimiest dealerships in the country. |
|
|
|
Posted: 3/30/2020 2:21:20 PM EDT
[#30]
Quote HistoryQuoted: Either your credit score isn't what you think it is, or you just walked out of one of the slimiest dealerships in the country. I saw the credit report. |
|
|
|
Posted: 3/30/2020 2:22:35 PM EDT
[#31]
Quoted: Was told by the dealership's finance guy that my 814 credit score didn't meet the standards for their 0% loan, but they'd finance me at 8.9%. Income at $100k, no mortgage, 20% down. I laughed and walked out. I was the only customer there. Who needs sales when you get a taxpayer bailout. As a multiple-purchase Chrysler buyer, let me remind you that they almost always charge for the 0% interest. What I mean by that is that the vehicle price is $1000 more with 0% interest or $1000 less (let's call it the "nice-guy-rebate") with standard interest rate. It's usually a "buy-down" like mortgage points. They won't tell you this up front. The finance guy explains that to you two hours into the process. $30,000 with 0% interest $30,000-$1,000 with x% interest |
|
|
|
Posted: 3/30/2020 2:22:55 PM EDT
[#32]
Fuck em. Go shopping someplace else. Or get your bank to get you better financing, and negotiate.
|
|
|
|
Posted: 3/30/2020 2:23:12 PM EDT
[#33]
Im sorry but this is the biggest load of bullshit ive ever seen. Dealerships will bow at your feet with that cred and money. Trust me I used to do that for a living. Pretty sure youre lying.
|
|
|
|
Posted: 3/30/2020 2:23:16 PM EDT
[#34]
Quote HistoryQuoted: THE DEALS. Aren't some dealerships offering like 0% interest for 87 months? Quote HistoryQuoted: Quoted: Why would anyone buy a vehicle right now anyway? Aren't some dealerships offering like 0% interest for 87 months? This..... I was playing on replacing our second vehicle this year, and this black swan even may speed up the timeline. I would rather take the huge discounts and get financing through my credit union. Pro tip: get financing and realistic car values before you step foot on a dealers lot. Not sure if you just browsing or not. There are several great threads in GD with fantastic advice. |
|
|
|
Posted: 3/30/2020 2:23:54 PM EDT
[#35]
Quote HistoryQuoted: Either your credit score isn't what you think it is, or you just walked out of one of the slimiest dealerships in the country. This. Big time. |
|
|
|
Posted: 3/30/2020 2:23:55 PM EDT
[#36]
I asked what was needed to get the zero interest rate and was told a certain credit score. But couldnt tell me what score must be when asked.
|
|
|
|
Posted: 3/30/2020 2:25:48 PM EDT
[#37]
Quote HistoryQuoted: I saw the credit report. Quote HistoryQuoted: Quoted: Either your credit score isn't what you think it is, or you just walked out of one of the slimiest dealerships in the country. I saw the credit report. |
|
|
|
Posted: 3/30/2020 2:27:09 PM EDT
[#38]
Quote HistoryQuoted: Either your credit score isn't what you think it is, or you just walked out of one of the slimiest dealerships in the country. Possibly both. Not mutually exclusive. |
|
|
|
Posted: 3/30/2020 2:27:13 PM EDT
[#39]
Quote HistoryQuoted: Im sorry but this is the biggest load of bullshit ive ever seen. Dealerships will bow at your feet with that cred and money. Trust me I used to do that for a living. Pretty sure youre lying. Lol. We found the desk manager at the dealership. |
|
|
|
Posted: 3/30/2020 2:27:22 PM EDT
[#40]
 Fargo (1996) - TruCoat Scene (2/12) | Movieclips |
|
|
|
Posted: 3/30/2020 2:27:25 PM EDT
[#41]
Quote HistoryQuoted: Then you just walked out of one the slimiest dealerships in the country. The only explanation I can come up with, is that most of their customers are clueless financial retards with shit credit, and this bullshit they're pulling works more often than it doesn't. Like...people with your income and credit usually wouldn't normally set foot in a dealership like this. Quote HistoryQuoted: Quoted: Quoted: Either your credit score isn't what you think it is, or you just walked out of one of the slimiest dealerships in the country. I saw the credit report. I would love to see a legit study of mean/median credit scores by automotive brand...
|
|
|
|
Posted: 3/30/2020 2:28:46 PM EDT
[#42]
OP get your credit score here for free
https://www.experian.com/consumer-products/credit-score.html Then head over to annualcreditreport.com and view all three of your credit reports for free. Look for any accounts you don’t recognize or hard queries that you didn’t request. |
|
|
|
Posted: 3/30/2020 2:28:56 PM EDT
[#43]
Quote HistoryQuoted: Lol. We found the desk manager at the dealership. Quote HistoryQuoted: Quoted: Im sorry but this is the biggest load of bullshit ive ever seen. Dealerships will bow at your feet with that cred and money. Trust me I used to do that for a living. Pretty sure youre lying. Lol. We found the desk manager at the dealership. |
|
|
|
Posted: 3/30/2020 2:29:14 PM EDT
[#44]
what happens if you apply online / get pre-approved?
|
|
|
|
Posted: 3/30/2020 2:31:04 PM EDT
[#45]
Quote HistoryQuoted: I would love to see a legit study of mean/median credit scores by automotive brand... The credit report was ran on Friday. The deal was 0% at 84 months. We were $1000 apart on the price and I walked. They called me Saturday and said, OK, we'll do your deal, come on in." I went in today and they pulled this shit. |
|
|
|
Posted: 3/30/2020 2:31:19 PM EDT
[#46]
Quote HistoryQuoted: Why would anyone buy a vehicle right now anyway? Maybe it beats walking. 
|
|
|
|
Posted: 3/30/2020 2:32:00 PM EDT
[#47]
Chrysler Dodge Buick Olds Pontiac all the same shit company. Anyone care to know why the business model has been in trouble for so long. Over priced junk on wheels, suffers negative depreciation while sitting on the lot.
OP got to some place else that isn't part of the GM line up. |
|
|
|
Posted: 3/30/2020 2:32:02 PM EDT
[#48]
Quote HistoryQuoted: As a multiple-purchase Chrysler buyer, let me remind you that they almost always charge for the 0% interest. What I mean by that is that the vehicle price is $1000 more with 0% interest or $1000 less (let's call it the "nice-guy-rebate") with standard interest rate. It's usually a "buy-down" like mortgage points. They won't tell you this up front. The finance guy explains that to you two hours into the process. $30,000 with 0% interest $30,000-$1,000 with x% interest Going to reply to this since apparently everyone below your post didn't read it. This is the answer you seek OP |
|
|
|
Posted: 3/30/2020 2:32:17 PM EDT
[#49]
Heh last year kubota told me same thing. You credits great but you haven't made similar large purchases in the last 5 years. Wtf
|
|
|
|
Posted: 3/30/2020 2:32:18 PM EDT
[#50]
Quote HistoryQuoted: I would love to see a legit study of mean/median credit scores by automotive brand... Quote HistoryQuoted: Quoted: Quoted: Quoted: Either your credit score isn't what you think it is, or you just walked out of one of the slimiest dealerships in the country. I saw the credit report. I would love to see a legit study of mean/median credit scores by automotive brand... A cursory glance around town suggests that Chrysler and Nissan are the most engaged in um...outreach...for the uh...underserved in our community. |
|
|
Win a FREE Membership!
Sign up for the ARFCOM weekly newsletter and be entered to win a free ARFCOM membership. One new winner* is announced every week!
You will receive an email every Friday morning featuring the latest chatter from the hottest topics, breaking news surrounding legislation, as well as exclusive deals only available to ARFCOM email subscribers.
AR15.COM is the world's largest firearm community and is a gathering place for firearm enthusiasts of all types.
From hunters and military members, to competition shooters and general firearm enthusiasts, we welcome anyone who values and respects the way of the firearm.
Subscribe to our monthly Newsletter to receive firearm news, product discounts from your favorite Industry Partners, and more.
Copyright © 1996-2024 AR15.COM LLC. All Rights Reserved.
Any use of this content without express written consent is prohibited.
AR15.Com reserves the right to overwrite or replace any affiliate, commercial, or monetizable links, posted by users, with our own.
