| 1) Credit unions usually have lower % rates than local banks. 2) Age of the car does make a difference in the classification of new /used / etc. 3) The classification of the car's age can be a driver in the APR ( older car = greater risk of lower recovery amount if it needs to be repossesed ). 4) FICO / BEACON / ETC scores drives APR as well. There is a pricing matrix that banks used. 5) With some lending institutions - the more money down, the lower the APR may be ~ lower default risk / exposure to the bank. 6) APR can also be determined by loan amount and loan maturity time frame. 7) Manufacturer finance companies generally are better than local banks ( applies to newer cars ). 8) Apply has a cosigner and the primary person's credit will be the "driver" to determine the APR. The cosigner's info is used primarily for income and "shaky" credit / employment situations. 9) Take the high APR loan, make advance payments and refinance 6-9 months into the loan using the payment history to get a better loan. 10) I think the best option would be to take a H/E loan and take the tax deduction on the interest ( IMHO ). 11) Ask to speak with the sales dept manager. If you have good credit and an established relationship with the lending institution, sometimes the APR is negotiable by .5% to 1%.
=============Sig begins here================ The Devils Z.com
"....Thanks captain obvious, would you recommend air to resolve a low tire pressure situation? coolant to keep temps down? perhaps a battery for electrical devices? " ... LJZTT on June 10, 2006 at 6:36 PM
"How the hell would you have gotten on the track had you not *somehow* purchased a ticket? He's so overzealous about making other people look bad, that he sticks both feet down his throat. It's fun to watch though :) " ....ZEngineer on June 07, 2006 at 6:22 PM
"as useless as an EGT Gauge..." *shakes head* Its comments
like this that hold the Z32 community back. " ....Z-Jay (Edmonton, AB) on April 21, 2006 at 11:46 AM "Somebody give this man a medal. Arguing with kenny is like being in the special olympics" ....ENVYMYZ on November 01, 2005 at 11:59 PM " .. going back and forth with you on a stupid point is like watching a retarded kid double dribble in basketball, you get tired of calling foul all day" ... Slowninja(GT28RS Inconel Z) on October 03, 2005 at 8:43 AM "the only chips you know about are Doritos. =)" ...ZEngineer on June 11, 2005 at 4:23 PM "....These posts only serve to make you look even worse, its gotten so bad it even makes me look bad to reply to you...." maglito on January 22, 2005 at 3:11 AM "What, are you afraid that only a couple of good ones have rolled off the production lines and the rest are crap?? ... Its mechanics not the stockmarket." ... ZisLuv on May 03, 2004 at 6:12 PM 
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