FINANCE

[ssil]

My Bronco is getting delivered soon so two questions:

1. What company did you go with to finance your Bronco? (and rates?)
2. Did you ceramic wrap your car?

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[Coastalcop]

Rates are all over right now , folks have reported as low as 1.9 to as high as 7% with good credit ( 725+ for those who reported). Seems pretty stable around 5%, but check local credit unions as well. A different credit union beat mine by a percent or so ( I told the dealer what my current rate was and gave them a chance to beat it). Dealers get a financing kickback, so they will work fairly hard to beat your rate for that. And usually after a month or so, multiple credit checks in a couple of week period around a purchase are “combined” when assessing score so it’s not a big a hit to your report numbers ( number of inquiries will cause a minor drop in score)

 

[cbrenthus]

I went with CapEd CU - I did a payment saver loan and they had the best program. It's basically a balloon payment loan, but it works well on vehicles with high residual values. I think I was at 6.5%.

I did not ceramic coat - my unpopular opinion is that it is the latest snake oil.

 

[Spyder625]

ceramic coat works for sure, had it on many of my vehicles if done correctly. makes life much easier to wash and hose off.

 

[vandyfan]

I did a ceramic coat but not from the dealer. Makes cleaning up much easier.

I think my dealer was offering 6% and weren’t very flexible with me.

 

[TAMPABAYPATRIOTS]

Rates suck right now. Lenders are slowly lowering rates. Most recently .25 from most Credit Unions. Refinance after can always be down. Economy is showing recovery ,to a degree. We are in a reverse economic curve. Lenders are looking positive on the economy. Rates go according to term,obviously . Some lenders look at advance as well.
Just shop around

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