The score they pulled was regular FICO 8 EX 689, I have three paid tax liens and I was surprised they didn't ask for income verification.Į-T-A. So I saved 68 dollars per months just because CarFinancePro decided to share what he know. Tho not saying they won't lower the interest rate bit more on their own, but I highly doubt it would be at 0%. So the payment went from 495/6% to 427/0%. I know your question isn't for me but I just purchased Rogue yesterday and thanks to CarFinancePro's post, I knew to ask the financing guy if he is willing to bump me up a tier or two to get that 0% interest rate "before" I talk about numbers with salesman, after "closer" came in? I mentioned to him about bump me up couple of tier, sure enough, after just few short mins? He said "FINE". 2 previous car loans paid, zero late payments ever. Nissan has special financing available for the month of September on this model. Is this special financing tier structure typical of the special financing Nissan offers throughout the year? I am considering a 2015 Nissan Rogue. Where did you get this from? Do you work in Nissan finance or previously have? Friend or co-worker perhaps? I need to get her a little something nicer to wrote:ĬarFinancepro - this truly looks to be good information. Refinance from DCU probably in my future - but she is driving a 9 year old Malibu. At the time of my purchase, my TU auto scores were in the mid 600's so I received a 5.24% APR for 72 months from Ally bank for my Chevy. I kinda of wish I waited a few months to upgrade my vehicle. Her reports are relatively thin with only student loans and a few new CCs. I would like to have a joint application (or even just her name) to improve her scores in the long run. Obviously, we would love to qualify for the 0% APR for 72 months (will probably end up paying a lot extra so it is paid off well in advance of 72 months, like I am doing with mine, but the flexibility of the 72 months and lower payments are definitely helpful). Do you happen to know if on a joint application they will base the rate on the higher or the lower score? My scores would easily now get me in the Tier 2 level (maybe even Tier 1 - haven't updated my TU Auto scores in a while), but my wife is right on the cusp of either Tier 4 or Tier 3. ![]() My wife and I are looking to replace her vehicle within the next few weeks (I upgraded mine around the start of the year). This is for Nissan Motor Acceptance Corp.įirst of all, thanks for the VERY useful information. ![]() ![]() Good luck!įor Tiers 1-3 they have 0% financing up to 72 months. 36 months at 0% or 48-60 months at 0.9% for tier 7 and up. And of course cash down plus your debt and payment ratios are factors. If you are having trouble make sure they see your Equifax (paid Auto) if it's available for your state. The dealer can always negotiate your tier with the bank. If your primary is over 600 they can pull the secondary to see the score for pricing as well (and to see your paid Auto). Once they pull a secondary they stick with it and your tier is what it is. They rely heavily on previous Auto and Mortgage experience to get an idea if you are going to pay them or not. I posted this in another thread, hope it helps.
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