Stealership playing games? 10% APR.

MagmaRed370z

Anything over 3.5% is ridiculous these days. Talk to them or walk away.

Birdfan67

Sorry but not true...rates are climbing again. most banks are beacon driven as well.

To get the best of best rates...740 and higher.
690 and below can yield a 4-5% and higher
650 and below ...you better start praying

vtec to vvel

what about 691 to 739?

AKI370z

That is ridiculous, I bought my 2011 back in 2012 for 60 month 0 APR so basically no interest. My credit score back then was a little over 700. They are actually running that deal now (Dorschel Nissan). keep searching bro.

Birdfan67

oh...dont be embarrassed on what you drive...it sounds like your of the younger generation.
I've seen very attractive women walking with a significant other many times...he has no car apparently and somehow pulled off getting her attention.

I don't need to know how much you make an hour...but if your whole check is going toward car payments and insurance...and your always stuck at home and can't go out because you have no $$$...you won't keep this girl long anyway.
Buy a Nissan Sentra...if she likes you, she'll get in !

mag_black

Like others have mentioned, you should get a pre-approved loan from credit union so you can go into negotiations w/ some ammo. Dealerships tack on their percentage as well to your interest.

Be patient; there are thousands dealerships and Z's that are willing to gain your business. You will find one for the right price. Don't sound too desperate when you go to negotiations, be ready to say "no" and put the ball back in their court. If they mention that you can't purchase a Z for this price anywhere near your location -- tell them you're not against purchasing out of state. Typically, when you make your 1st offer, they will respond w/, "we can't go that low". Don't budge from your 1st offer, get them to come down, this will give you an advantage. Be ready to say "no" and walk away.

edit: also, 10% and 22K is too much.

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mishuko

you will pay a higher interest rate on a used car than a new car.

For example my dad got a new is350 and is paying in his 4 year finance the same amount i'm paying in 1 (YES ONE) year of interest. and his car was more expensive MSRP.

That said, 10% is way too much. I'd try to artificially boost your credit score. IE: if you pay 500 bucks a month on your CC / loans, do it twice a month 250/pop. It will inflate it a bit but not much. Maybe enough to make the difference.

Worst of all though, don't over extend yourself. And if you plan on overextending for your car I would seriously look at cutting back on other aspects of your lifestyle to not go into an endless spiral of debt.

charjohnnie

Just pull the other 3 hubcaps off!
Let her see you in your hubcapless Camry, if she's cool with it and doesn't mind that will be a very good sign that she cares about you and not what you have, ask her out and then when she says yes... You surprise her by buying your Z!!!

kenchan

i like how those shittty dealers bring out a napkin of a paper and write "$209" like it's supposed to be some special number.

id cross it out and put "$162" and tell the dumbarse to take it back to his imaginary manager.

HulaGirl

LOL! Perfect response!

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Drew303

if you have no credit history 10% is actually pretty good. If you have great credit history its not so good.

370zHawaii

Don't buy a Z for the ladies, buy a Z for you to enjoy. Most women don't care what you drive. When I drove a beater women would talk to me more often than not. When I drive the Z, or any other car I consider to be really nice/fancy, women seem to be intimidated or may feel the guy driving it is trying to overcompensate for other things they may lack in. IMHO if a chick really likes you and you hit it off she wouldn't care if you drove a beater. She might wonder to yourself if you ever plan on upgrading or think you may be really conservative with your finances. I will say though, I enjoy the look on peoples faces when they find out I drive a Z.

I paid 25K for my 09 Nismo used, I think it was a fair deal, my impatience got the best of me, I probably could have found a better deal if I had waited, but when they first came out in Hawaii they wanted 44k for a new Nismo. I bought a new base instead 32K out the door cash, waste of time and money since I no longer own it. What I am trying to tell you is to shop around, have patience, and don't drop all 20K cash on a car whereas you could put that money elsewhere for better use i;e investing. Use that money to repair or build your credit. Get a secured credit card for 10K use no more than 18% of that at any given time and watch your credit score increase.

When applying for a auto loan apply to as many finance companies as possible but do it within a week as the inquiries will remain on your credit for 12 months. I learned a lot from creditboards.com it took me a year to go from a 515 credit score to a 780, but I did a lot of research and work, was able to finance my house and put a nice down payment. Either way you go about it good luck. The Z is like family, it will always be here, the ladies will come and go.

EDIT: don't know if you are financing or giving a a huge down payment but I agree with the others have posted find a credit union or local bank and finance through them instead. 10% for five years is will cost you about about 10K in interest give or take a thousand. If you do go that route try to overpay your monthly payment if possible to hit the principal and reduce the life of the loan as well as interest.