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looking for a great intrest rate for my 2010

Discussion in 'Gen 3 Prius Main Forum' started by jon5506, May 28, 2009.

  1. jon5506

    jon5506 New Member

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    can anyone tell me who might have the best intrest rate for my new prius?? the best rate i have sceen is 3.99 are there any better deals for 36 months
     
    #1 jon5506, May 28, 2009
  2. richard schumacher

    richard schumacher shortbus driver

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    Give yourself the best possible deal: save the money for 36 months and then pay cash.
     
    #2 richard schumacher, May 28, 2009
  3. jon5506

    jon5506 New Member

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    i already have the cash but would rather play with the lenders money
     
    #3 jon5506, May 28, 2009
  4. DaveinOlyWA

    DaveinOlyWA 3rd Time was Solariffic!!

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    3.99% is pretty good. i applied for financing and was offered 5.05% which independent bank financing which was supposed to be their best auto rate. i did apply for Toyota zero interest financing, but they turned me down
     
    #4 DaveinOlyWA, May 28, 2009
  5. sluday

    sluday New Member

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    Penfed credit union has 3.99% for up to 60 months. They send you a blank check you make it out to the dealer and your done.
     
    #5 sluday, May 28, 2009
  6. jon5506

    jon5506 New Member

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    my prius should be at my dealership next week, Im hoping that toyota might offer 1.99 or 2.99 after june 1
     
    #6 jon5506, May 28, 2009
  7. jon5506

    jon5506 New Member

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    are there any strings attach other than a blank check???
     
    #7 jon5506, May 28, 2009
  8. sluday

    sluday New Member

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    If they go that low I would be in shock.:eek::eek:
     
    #8 sluday, May 28, 2009
  9. Dorisk

    Dorisk New Member

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    So, is Toyota offering 0% APR for the 2010? Or were you being facetious?:)
     
    #9 Dorisk, May 28, 2009
  10. sluday

    sluday New Member

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    No, you can see exactly what your payment will cost by calculating in the total cost you need to finance. They have no hidden fees. I do believe that you need good credit.
     
    #10 sluday, May 28, 2009
    1 person likes this.
  11. jon5506

    jon5506 New Member

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    thank
     
    #11 jon5506, May 28, 2009
  12. jon5506

    jon5506 New Member

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    im hoping that in our regon that toyota might offer low intrest rate after june 1:rockon: any insight
     
    #12 jon5506, May 28, 2009
  13. synapse

    synapse Junior Member

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    If you want to join my credit union you can get 3.75% for 36 months. You just need to open a checking account with them and one of the below:

    1) Keep a balance of at least $1,000 in it
    2) Set up a direct deposit to get in once at least every 90 days
    3) Do some sort of online bill pay (not sure of the details)

    They also provide an auto draft check to make out to the dealer.
     
    #13 synapse, May 28, 2009
  14. DaveinOlyWA

    DaveinOlyWA 3rd Time was Solariffic!!

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    well i ended up with ZERO financing, but i actually said i "applied" for zero % and was "turned down". so i cashed it out instead
     
    #14 DaveinOlyWA, May 29, 2009
  15. LTRAiN

    LTRAiN New Member

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    i posted a similar topic and knew of the penfed rate. the CU that one poster had too many strings (unless you were alreay a member). i'd rather pay the 1/4 point more.

    i know rates are going up, wonder how long pen fed will offer that 3.99.

    if you financed thru toyota or tried to could you post what rate and terms they offered?

    please post here if you see something better than 3.99.

    id be looking for 36 month financing too.
     
    #15 LTRAiN, May 29, 2009
  16. jon5506

    jon5506 New Member

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    i contacted my dealer he informs me that 700 credit score would net 5.99
     
    #16 jon5506, May 29, 2009
  17. dbacksfan

    dbacksfan Member

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    I just spoke with a service rep at PenFed. She said that they'll know tomorrow if the rate is going to change and that I can call back tomorrow. Her opinion and hope was that it would remain the same. I hope that's the case as I have a pre-approved loan and my car is expected to be available next Wednesday or Thursday.
     
    #17 dbacksfan, May 29, 2009
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