Finance Rate

[Koz44]

X2 on around 2% seems to be the going rate. I did this a little over a week ago. The dealer did all the work - all the rates were 1.99 - 2.09% based on the length of the loan. I did not shop around and do not belong to a credit union.

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[WadeWolf76]

Only time I don't go with my local credit union is if the manufacturer is offering 0%.

 

[kobrah66]

Has anybody looked into leasing?

 

[dbeyers]

Lots goes into it, but for an added data point 1.94% for 60 months. TD Bank.

What I did was, use whatever credit union you can find online offering a great rate and tell them you can get that rate. (Even if you don't belong) Be able to pull it up on your phone. If you have a good credit score, they'll find a bank that'll match it. They want you to finance with them.

Tittie Bank?

 

[Tdogg4774]

Not going to be USAA or a Credit Union if you have access to either. As noted above USAA has 1.89 for 63, 2.09 for 72 or 75.

 

[DFNMAN]

BOA offered me 2.39 for 72 months, but my dealer will not accept outside liens.

 

[PaulBrownSr]

BOA offered me 2.39 for 72 months 795 FICO, but my dealer will not accept outside liens.

Wow I have never even heard of that. Gonna have to ask my dealer I guess.

 

[DFNMAN]

Wow I have never even heard of that. Gonna have to ask my dealer I guess.

My father had new car dealerships growing up and I have never heard of it either. Luckily I can pay cash and finance it after the sale if they try and bend me over. I will find out in a couple of days.

 

[BroncoAZ]

I had 1.89% for 63 months through USAA, the dealer asked If they could have a shot and got 1.99% for 60 months through a local credit union. They we’re great to work with, so I gave them the extra .1% and had a quicker transaction. I won’t run it to term anyway, I usually pay them off in 1-2 years.

 

[Theowlhoothoot]

So with hopes of my Bronco being delivered in a month or so, for those who have financed their Bronco what type of rates are you getting, through Ford or other lenders. Thanks

2% up to 84 months / 100k but we chose 72 months. Local credit union.

BOA offered me 2.39 for 72 months 795 FICO, but my dealer will not accept outside liens.

That's shady as fuck.

 

[Blaven]

Has anybody looked into leasing?

I have been reading that the Broncos are horrible to lease in terms of your payment. I was thinking of a lease because that's what I do with my jeep and I like it. But I'm probably going to be financing my Bronco.

 

[Turbo NY]

Lots goes into it, but for an added data point 1.94% for 60 months. TD Bank.

What I did was, use whatever credit union you can find online offering a great rate and tell them you can get that rate. (Even if you don't belong) Be able to pull it up on your phone. If you have a good credit score, they'll find a bank that'll match it. They want you to finance with them.

How’d you get TD auto rate online ??

 

[campbebc]

1.89 for 60 months through USAA

 

[PowPow]

How’d you get TD auto rate online ??

I didn't. My dealer I guess uses them and they matched.

I think I used affinity as reference. They were like 1.9 at the time and I just told the dealer I'll go there instead and they came back matching.

Looks like they're even lower now. https://www.affinityfcu.com/tips-and-tools/rates-and-yields.aspx#AutoLoans

 

[MikeyFrog]

I got 1.99 but you can get 1.49 now (60 months)

https://www.penfed.org/auto/rates

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