Marvbear,
My employer's CU is offering a 3.55% APR with some conditions of course (ie 20% down payment for example). Was wondering if I were to finance through the dealership if I would get a better rate for 60 month loan.
I did notice Toyota is offering 0% for toyota Camrys '05 but I figure that is for 36 month loan. Think the dealership would be able to do any better on the 60 month loan the what my CU is offering?
Thanks!
Your Age: 27
How long have your been on file with the CRA’s? 8 years
Credit Scores:
Equifax? 783
Experian? 771
TransUnion? 788
Your Credit:
Rate your OVER ALL credit from 1-10 (10=BEST) 9
Rate your installment Credit from 1-10: 9
Rate your revolving Credit from 1-10: 8
Public Records? none
If yes, please describe:
Auto Loans:
Do you have an open auto loan? None
Credit Cards: 3
Total number of revolving accounts:
# of accts list on fico : 13 (including ... 2 mortgage loans)
Percent utilization overall: less than 15% (approx.)
Your Info:
Total Provable MONTHLY GROSS income: $5150
Provable via computerized paystubs or what method: paystub
New or Used Vehicle:
Please describe desired vehicle: Camry 2005 Standard
Please leave any comments that your feel may be pertinent and may lend added weight for a favorable outcome.
I can put down a significant downpayment if neccessary. Have a '02 Camry for tradein.