Nissan 370Z Forum - View Single Post - How I have scored invoice pricing with 3.99% APR on my 370Z?

Footloose301 · 10-03-2010, 06:47 AM

I'm showing a 2.99% option now for Pentagon. I will applying shortly, but I have no idea what my score is.

2 years ago I was turned down for a $31,000 loan with $2000 cash down and a score of 630 or similar.

Now I bought a 370Z for $31500(after taxes and such, used 2009 with an upside down trade), and I put $500 down and got 7.9% about 5.5 months ago thru Nissan Motor Credit. But I have no idea what my score was.

NOW, I have totaled my car Friday morning at 2:30am and just waiting on insurance to call me back Monday about it. I'm pretty sure it's totaled, but it'll be close. I plan on using the invoice pricing here in the forums to negotiate a new 2010 and thru Pentagon I might be able to afford a bit more at a lower interest rate.

So, I'm curious. I have no idea what my FICO score is and two years ago it was 630 or so..... I'm guessing now it's 675+? What types of interest rates are you guys getting with this score?

I'm desperate to get back into another Z. I can't decide whether I want Red or Black again. All I care about is the 6spd with Sport Package. I don't care about other goodies but if I can score them as a bonus, then sweet. Nismo would be nice but I don't see myself getting one of those because I can't see a dealer getting rid of a Nismo at invoice. I'm willing to fly across the country and drive back if I have to.

10-03-2010, 06:47 AM	#212 (permalink)
Footloose301 A True Z Fanatic Join Date: Apr 2010 Location: Naples, FL Posts: 2,659 Drives: 40th Rep Power: 21	I'm showing a 2.99% option now for Pentagon. I will applying shortly, but I have no idea what my score is. 2 years ago I was turned down for a $31,000 loan with $2000 cash down and a score of 630 or similar. Now I bought a 370Z for $31500(after taxes and such, used 2009 with an upside down trade), and I put $500 down and got 7.9% about 5.5 months ago thru Nissan Motor Credit. But I have no idea what my score was. NOW, I have totaled my car Friday morning at 2:30am and just waiting on insurance to call me back Monday about it. I'm pretty sure it's totaled, but it'll be close. I plan on using the invoice pricing here in the forums to negotiate a new 2010 and thru Pentagon I might be able to afford a bit more at a lower interest rate. So, I'm curious. I have no idea what my FICO score is and two years ago it was 630 or so..... I'm guessing now it's 675+? What types of interest rates are you guys getting with this score? I'm desperate to get back into another Z. I can't decide whether I want Red or Black again. All I care about is the 6spd with Sport Package. I don't care about other goodies but if I can score them as a bonus, then sweet. Nismo would be nice but I don't see myself getting one of those because I can't see a dealer getting rid of a Nismo at invoice. I'm willing to fly across the country and drive back if I have to. __________________ 2010 40th Anniversary 370Z Last edited by Footloose301; 10-03-2010 at 07:00 AM.