[~el~jefe~]

Hey Peeps,

I have a 691 Transunion auto-enhanced FICO that Chase decided to use for my financing quote. I wish they used the other two, would have hit 701-702.

I got a Dealer quote of 4.49% financing on 60 months. Eh. I was assuming I would hit like 2.99%. I have a great background aside from the scores never going up, such as perfect prior car loan, good salary, near 0 balance credit cards etc.

So, I was offered a 2.7% interest rate from the dealer if I buy the:
Subaru Gold Plus extended warranty.

First deal is $3040 dollars in interest.
Second deal is $2010 in interest, but I buy the warranty. It winds up being almost the same payment, but I get a "free" warranty. It is obviously the finance department who makes about 2% as a salary on the straight loan. They also make a commission on the warranty, so they make near 0 on the loan, but the warranty they do well on.

Of course, they will not give me 2-3% loan without an extended subaru warranty, as that would be 0 dollars profit for the loan salesman. I get that, I do not need to push for 0 dollars deal.

On big Question: Does anyone think the 70,000 "bumper to bumper" warranty from Subaru is worth it? I am so so on that, as I chose the car because it is the most reliable sports car that is in my price range.

Any thoughts? Thanks!