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r21free

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Bank of America. I don’t bank with them. The ones that I do gave me higher rates.
Wow not here it was 3% .U of M credit union was 1.29%.
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Jmax

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Just purchased mine last night at 1.98 for 72 us bank
 

daddycreswell

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2050Broncoorsomething

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Penfed is
1.99 for 60
and
2.39 for 72
 

Raptor911

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They are not competitive and don't need to be. And here's why.

Most people do not already have financing when they sit down to buy so Ford can charge whatever they want. Most car purchases are impulsive and thus buyers never plan ahead.

ALWAYS sitdown with financing in hand then you can ask the dealer if they can do beat your rate.

Anybody received rates from Ford Credit? Surprised if they aren't competitive...
 
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Bt_ostate

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2.29 72 months bofa. Make sure you get pre-approved and have financing before going to dealer. This way they can't try to mark things up on you.
 

Bt_ostate

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Bofa doesn't have 1.29 for 72. I have another bofa car loan and excellent fico and 2.29 was best they would do. They said only way for this to be a bit lower, like 1.99, is if you had significant $ in a checking or banking account with them. I don't bank with them just have loans or credit card so I didn't qualify for that lower rate given to some banking account members.
 

Tricky Dick

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When I went to their site it showed me like 2.39%
Same here. BoA would have been convenient since I already have a home load through them. (Not by choice, my original lender sold it. BoA can suck dog farts.)
 

Flourman

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Dang. Local Credit Unions in CO are running 3.25% for 60 and north of 4% for 72. Dealer is claiming his rates aren’t any better than the CU’s
 

Tricky Dick

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1.49% for up to 65 months @DCU.org. Requires direct deposit of paycheck I believe.
Looks like I found my lender. How far out should you apply?
 

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Bt_ostate

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Rates are trending up right now not down and should continue to rise especially as the fed is expected to raise rates 3 to 4 times this year.
 

lsirois

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Looks like I found my lender. How far out should you apply?
I had approved ~1 week out, but was approved instantly. It was quite easy overall.
 

Bt_ostate

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Most bank loan pre-approvals are good for a max of 30 to 45 days. So you don't want to apply outside of this time frame.
 
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Tricky Dick

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I had approved ~1 week out, but was approved instantly. It was quite easy overall.
If all goes well I could be picking up in 2 weeks and it would be nice to lock that rate in. However, as we know, hardly anything with delivery has gone well.
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