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Current financing rates....?

T

Thisnthat

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...bought a truck back in Feb...before the rates started being raised....

i know a ton of factors go into the rates that banks are willing to offer....but in the current market, what is everybody getting as far as financing over the past month or so...5-6yrs max, 800+ credit
 
On the 30th of June I got a 2.84% rate for 76 mo, I have a 865 credit score
 
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waveslayer said:
From who?.. I have 830 and could only get 3.9% 60 months

My wife thinks I only have 3 guns
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On July 10th I was offered 3.9% for 84 mo with an 810 score. And was told that’s great, many are toward 5% now.Truck didn’t come in fast enough a month ago I had 2.9%.
 
waveslayer said:
From who?.. I have 830 and could only get 3.9% 60 months

My wife thinks I only have 3 guns
Click to expand...
Advantis credit union, its local to me, the sales guy did say that they were raising rates July 1st, I don't know how much though
 
Dealer got 4.99 a few weeks ago, I asked if the could find lower and they didn't seem to want to look. Just refinanced this week with Navy Fed for 3.69, dealer is loosing their kickback because they couldn't bother to look for a better bank.
 
I financed mine for 2.49% in April. Had a 90 day rate lock that would have just expired in the past few days. Not sure what they're offering today.
 
seems like all dealers use different services...here is an excerpt from my deal back in Feb...this was Mark Dodge using Experian. Generally speaking 850 is the max, but the auto credit scores seem to vary


1657725754721.png
 
On June 1st I locked in at 2.49% for 60 months, with Navy Federal. That lock is good for 90 days. I know the rates have gone up since then. 830 score.
 
Just checked, our credit union went up a 1/4 point. They're at 2.74% best rate now. I'm surprised it wasn't more than that.
 
Chrysler capital still has 0% for 36mths. Used it for mine on 6/30 with 815 credit score.
 
I picked my 3500 at the end of June. Got 0% for 36 months. Was shocked it was still being offered.


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It’s zero percent, so no interest. Just take whatever amount you’re looking to finance and divide by 36. That should be your payment.


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Chrysler Financial also still has 2.9% for 60 mos. Like the 0% 30mos, it was extended until 8/1. Perhaps they will be further extended.
 
mountainears said:
It’s zero percent, so no interest. Just take whatever amount you’re looking to finance and divide by 36. That should be your payment.


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I get that part. I'm just curious how much people are financing for 36 months? I don't normally do the full 72 or anything but 36 on an 80k plus truck seems insane to me.
 
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