I was able to get 1.63% through Citizens Bank at the Dealer. I had to buy out my Tahoe last month since there's like, ya know, no Tahoes available.
Just tell them you can get a better rate from whatever bank, and at the very least they'll match it. Then depending on credit, the finance guy can usually do better.
I started at I think 5, then they came back with 3.something, I told them I can get 2.0 at some credit union (which I do not belong to), and they came back matching it. So I said, good enough for me. Then it went to 1.8% and by the time I finally talked to the finance guy, he had me at 1.63%.
I don't know how big Brewster is, but usually dealers work with a bunch of different banks, and get some kinda kick back. So I would see what they can offer you first, vs going in with a loan already in hand. If you can get banks competing, that always works out in your favor.
But that's just my 2cents. You can do whatever makes you comfortable! I'm also up the road from my dealer, so I can easily say I'll come back tomorrow with a better loan if they won't give me a good rate, whereas if you're traveling, you're not as flexible.
Just tell them you can get a better rate from whatever bank, and at the very least they'll match it. Then depending on credit, the finance guy can usually do better.
I started at I think 5, then they came back with 3.something, I told them I can get 2.0 at some credit union (which I do not belong to), and they came back matching it. So I said, good enough for me. Then it went to 1.8% and by the time I finally talked to the finance guy, he had me at 1.63%.
I don't know how big Brewster is, but usually dealers work with a bunch of different banks, and get some kinda kick back. So I would see what they can offer you first, vs going in with a loan already in hand. If you can get banks competing, that always works out in your favor.
But that's just my 2cents. You can do whatever makes you comfortable! I'm also up the road from my dealer, so I can easily say I'll come back tomorrow with a better loan if they won't give me a good rate, whereas if you're traveling, you're not as flexible.
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