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Cars and Transportation
Reply to "Car dealer will not budge on “online price”"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]You guys keep saying the rate is what bad credit people get, sorry, sub prime car loans start at 15% and go up from there. Great credit loans will be 4-6%, above average will be 6-9%. Average credit 9-15% and subprime is 15-24%. For a 72 month loan on a high mile car with average to below average, the 9% they are charging is about right[/quote] You all are shopping at the wrong places for your auto loans. My credit union starts used car loans at 1.99% for 36 months. 72 month loans are available at 3.15%. It is a very limited membership credit union, so I'm not going to name it here, but check Penfed, Navy Federal, NIH, NASA, etc., and you'll see similar rates.[/quote] Penfed 72 months is 4.5% and Navy is 5.89. It’s right on thier site. That’s the best rate, for great credit. If great credit is 5.89, below average credit is a few points more. [/quote]
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