Well, first I was saving more than $7k buying from Clint at Heuberger. Second, I had my girlfriend co-sign because she has terrible credit/no credit history and I want her to start building a solid credit history. So overall, I don't mind the 1% savings over a 60mo term. I also plan on paying more than my minimum monthly payment so over the course of time, I wont even pay the full 2.9% on the purchase price :popcorn:

Edit: and also, I've paid more for a product because the service is better there over the cheaper place

It's noticeably better now, but at the time it was mid 500's.

Came expecting wings. lol.

I put half down and financed the rest despite having more than enough cash to pay it off. This is because I'm 25 and have been making a lot of money for years, and never actually built any real credit. Lived a cash only lifestyle. So I had a zero credit score (no credit references at all), but $50k sitting in a bank account, another large amount in stock, and a very very good yearly salary.

Still, I only got 8.2% because of zero credit references. Decided to do it anyway to build up credit. Will refi after six months down to a really really low rate I assume.

Still, kids, be smart and build credit early if you have money to do so.

I have a Stage II APR tune on my....wait a minute that was my VW GLI. ;)

I think the interest rate on my loan is 2.8%

1.9% through SOA. I showed them the rate I was offered through USAA and they beat it. My credit is in the 780s.

1.59%. I was approved for 100% 1.49% with PenFed (when they had the deal, not sure if it's still on) but since Heuberger got me an excellent deal on the price of the car, I went with them. They also made the process easier as well.

I got 2.9% for 63 month financing, my credit score is in the 700s last time I checked.

2.19% for 72mo through a credit union the dealership goes with. Didn't know my credit was in the 800's:eyebulge: Only have student loan and 2 credit cards.

I was in a similar situation. I had no credit history what so ever. I went into the dealer WITH a co-signer (step dad) who has very good credit, but they were still asking for 17% interest. That wouldn't made the payments around $690 for me. I walked away.

I went and got pre approved at a credit unionion WITH NO co signer and they approved me on the spot for 4%. Being 21 years old with no credit history I thought that was a great deal so I took it. Hence I've been with my job for 2 years though.

My advice would be to wait it out and keep saving. By then you'll be with your job for a longer amount of time, and you'll probably have saved up a good portion for a down payment.


The dealer told me to buy a used car to build my credit. Keep it for a year and make payments on time. But I didn't want any other car except for an FRS. I already had a beater. So you're choice if you want to purchase a used vehicle and go that route. But I decided not to.

Yeah, I was thinking the same about buying a beater, but I already have one lol.

+1 - I also got 1.59% from Hueberger and a sick price on the car itself. You really can't go wrong...

1.79% for 60 months, with no penalty.

I got 1.79 from my Credit Union, I was so excited I almost bought the car in cash then I realized that this will probably end up saving me money when I buy a house within the next few years