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848 Posts
Check and see what you can get pre-approved for through your local credit union or bank. Then see what the dealer can get for you and negotiate it.
When I bought my truck my credit union offered me 5.5%, and they told me that if anyone beat it they would match it. The dealer found me a rate of 4.9%, and I took it.
Then a month later my bank offered to refinance it @ 3.4%. So I made one payment on the 4.9 loan then refinance right away with my credit union.
When I bought my truck my credit union offered me 5.5%, and they told me that if anyone beat it they would match it. The dealer found me a rate of 4.9%, and I took it.
Then a month later my bank offered to refinance it @ 3.4%. So I made one payment on the 4.9 loan then refinance right away with my credit union.
