Just bought a new ride

[Zarken]

I will post pics once weather breaks. But Traded in my 2010 malibu LS Grey for a 2012 malibu 1LT Tan. Few minor upgrades. Best part is the auto start and the new 9.9 interest rate. Much better than my previous 25.99.

 

[Rev440]

Your previous rate was 25 percent?

 

[87hatch]

Your previous rate was 25 percent?

holy shit

 

[Zarken]

yeah, has been 25.99 since I was 18. Apparently being single and all the other negative you can do for credit, I am the poster child for it. But things are looking up at least. In another year or so, I should be able to get the really good rates and be able to be more picky about things. But as it stands, I really like the Malibu's.

And yes, I have every person from here to hell and back say they can do better. But after they look at everything, they can't. The only thing I have going for me is a paycheck. A good paycheck, but only a paycheck.

 

[91trunk]

I suggest trying to join a credit union. If you can't refi the car now, wait 3-6 months and try again. You might be surprised at what they can do for you. Just my .02

 

[4Gas$]

^^^^ Remember, his .02 is worth a lot more than most folks .02 when it comes to cars & costs. :thumbsup:

 

[capone]

Congrats on the new car. X3 on the Credit Union.

 

[Zarken]

I will do the credit union for sure. Since I have been looking to ditch BOA for ever. Would a refi do better than 9.9% in 6 months?

 

[Golden]

I will do the credit union for sure. Since I have been looking to ditch BOA for ever. Would a refi do better than 9.9% in 6 months?

It should.

 

[DetroitStyle]

I agree with Herman Munster on this one. Credit Unions are the way to go.

 

[soap]

new 9.9 interest rate. Much better than my previous 25.99.

Holy shit!!

--Joe

 

[Billydroveit]

I agree with Herman Munster on this one. Credit Unions are the way to go.

Yep, wife belings to one, we got a new car at 6% i think. SHe was single at teh time with no real history and a small paycheck.

 

[webleedorange619]

Holy shit!!

--Joe

x2

 

[91trunk]

I'm not saying Credit Unions are the best choice every time, in your case it might help though. I just did a B.O.A loan for a customer with great credit and it was 3.29% on a used vehicle.

 

[Tin]

I will do the credit union for sure. Since I have been looking to ditch BOA for ever. Would a refi do better than 9.9% in 6 months?

Absolutely. The credit union I used to work at is currently 3.7% on new cars. Credit unions usually dont do risk based financing like banks and other financiers, you get their posted interest rate as long as youre approved.

 

[Rev440]

Ive seen as low as 2.5 percent for a new car through a credit union in Toledo.