Nmac 3.99%

FuszNissan · 11-02-2009, 08:48 AM

There are just trying to hold gross on you in the backend. The dealer probably has a buy rate of 4.75 and are holding 2 points on you.

There is 3.99 if you are at 80% LTV. So, depending on that you could be in the mid 4's

LiuTangClan · 11-02-2009, 11:34 AM

Thanks Fusz. I figured they were trying to make money on the loan since they were giving me such a great price on the car. At this point, I took Matt's advice and searched rates at my local credit union. I just submitted an application for a loan at 4.24%. It's not 3.9% but close enough.

I felt really insulted at the dealership and wont go back there (even though they had the car w/ all the options and color I wanted). I was really trying to be as professional as possible with them. I even asked them to call the other local dealerships to confirm the 3.9% special. They wouldn't do it. I guess I'll be searching nissanusa.com again....

XwChriswX · 11-02-2009, 04:00 PM

Fusz, I'm no math genius so I wouldn't know where to begin with all that, can you break it down in lamens terms how to figure out if I'd fit into that bracket?

Thanks.

11-02-2009, 08:48 AM	#1 (permalink)
FuszNissan A True Z Fanatic Join Date: May 2009 Location: St. Louis Posts: 14,275 Drives: Pure Sex Rep Power: 544	There are just trying to hold gross on you in the backend. The dealer probably has a buy rate of 4.75 and are holding 2 points on you. There is 3.99 if you are at 80% LTV. So, depending on that you could be in the mid 4's __________________ Mods: Too Many to list! LouFuszNissan ZDAYZ 2012

11-02-2009, 04:00 PM	#3 (permalink)
XwChriswX WFLYIDNNE Join Date: Jul 2009 Location: In The Fastlane Posts: 50,648 Drives: 02 GDB WRX Rep Power: 453	Fusz, I'm no math genius so I wouldn't know where to begin with all that, can you break it down in lamens terms how to figure out if I'd fit into that bracket? Thanks. __________________ Bonnie - Stage 2, Audio build coming this fall! R.I.P. Abby 3/29/10 - 3/30/14

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11-02-2009, 11:34 AM	#2 (permalink)
LiuTangClan Base Member Join Date: Jun 2009 Location: Bay Area, CA Posts: 21 Drives: 09 Base BS 6MT Sport Rep Power: 17	Thanks Fusz. I figured they were trying to make money on the loan since they were giving me such a great price on the car. At this point, I took Matt's advice and searched rates at my local credit union. I just submitted an application for a loan at 4.24%. It's not 3.9% but close enough. I felt really insulted at the dealership and wont go back there (even though they had the car w/ all the options and color I wanted). I was really trying to be as professional as possible with them. I even asked them to call the other local dealerships to confirm the 3.9% special. They wouldn't do it. I guess I'll be searching nissanusa.com again....