You dont know that, so dont crap a guy or girl out from ignorance. Theres more to it then score, and going through a CU and scores like that there is a big spread. And on the other I hand ive personally got a 651 score 0% but that was through toyota on a tundra at the end of the year. Actually toyota is running 0% for anyone over 650 right now. but a prius when gas is over 4 bucks, sorry. The bright side is the poster will save more gas then interest rate on a monthly basis
Seriously, Toyota is doing a 0% for anyone over 650? Screwed again (bought 3 weeks ago at 2.45%), but I have yet to hear 0% from anyone here who purchased (other than through a State Farm offer that was mentioned).
Credit Unions are [normally] the best way to go! I've been using the same CU for over 30-years. WoW! 2.49% APR is out-freakin'-standing. Our CU starts at 3.99% but decreases based on specials, whether it's a Hybrid you're financing, how much you're financing for how long, whether you have auto-pay, etc etc etc. My Credit Score is 818, but the best I can do is 2.74% for 36-mos on a hybrid, over $10,000 financing. I refuse to do auto-pay even tho' it reduces APR by an addl .25% (1/4th of 1%). If I finance $15,000 for 48-mos, best I can get it 3.24% APR ~ but still not bad these days, right!
Wow thats a high FICO score. Rates must vary depending on where a person lives, because I received a 1.79 @ 60mo through TFS and USAA...i have a 790 btw.
