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Discussion in 'Credit Talk' started by c5kirk, Nov 2, 2001.
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I think it depends on which company, I think Toyota is like 750 or above, but I'm not sure on that.
According to an article in Friday's USA TODAY, only 25% of the public qualifies for these offers, so you've got to think its north of 750 if what we've been told about scores are correct.
Also, in the terms, you'll notice that most limit the length to 36 months making the monthly payments (which should still be below 18% of your hh income) over $700 on a $25K car.
Last thing... many have early repay penalities tied in...
i dont understand. Why would you get an early repay penalty on 0% interest?
because they write it into the contract...
Actually some of the TV ads tell you the Fair-Isaac score you need in the fine print at the end of the ad. I have a TiVo and can pause these ads to read the print. The lowest score I've seen in any of them to qualify for the 0% deal is 720.
There MAY be ways around the F.I.C.O. score bit if you have MONEY to put down, LIKE A HOUSE DOWN PAYMENT...(like the $175,000 on $350,000)...if you put 20%-50% down, HOW COULD THEY SAY NO???
YOU COULD ALWAYS "WALK"!!!
SOMEBODY ELSE NEEDS A SALE!!!
SOMEBODY I KNEW IN CALIFORNIA DID CAR "DEALS" FOR FUN...
He would walk into a dealership and say "I AM GOING TO BUY A CAR TODAY, you sell this car to me for $XX,XXX @ X.XX% I HAVE $X,XXX FOR A DOWN PAYMENT, OR I WILL GIVE THE BUSINESS TO SOMEONE ELSE"
He did his "HOMEWORK"...he knew the car prices upfront, what interest rates were, and how HARD UP THE DEALERSHIP WAS...
YOU HAVE TO WILLING TO WALK!!!
Partner with no derog's and 690 got 0% for 36 mos. or 2.9 for 48 mos. from Ford.