How far can your credit score take you on your hellcat financing?

Discussion in 'SRT Hellcat General Discussions' started by Carnage, Oct 28, 2014.

  1. Carnage

    Carnage SRT Hellcat Supercharged Moderator Staff Member Hellcat Car Club Gold Supporting Member HCC Charter Member

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    so a topic came across where my fiancé was like if the dealerships take your deposit and cannot get you financed based on your credit score they should be able to return your deposit even if the finance guy tells your sales rep to tell you that you may not get that deposit back.

    You definitely wouldn't get the deposit back if you backed out on your own.

    Share your experience with us!

    *This would assume you deposited for a hellcat that is going to be built to your specifications.
     
  2. White Trash

    White Trash BMF Hellcat Car Club HCC Charter Member HCC National Vice Pres.

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    I would think the Dealer refunds your deposit maybe taking a restocking fee of 20%.
    A Person shouldn't be buying a HC without getting a good idea if they can get Booked.

    WT
     
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  3. Carnage

    Carnage SRT Hellcat Supercharged Moderator Staff Member Hellcat Car Club Gold Supporting Member HCC Charter Member

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    Thanks for sharing!
     
  4. Tammie

    Tammie SRT Hellcat Moderator Staff Member Gold Supporting Member

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    Not exactly the same issue, but along the same lines. I was worried my rate might change because we got the financing done and approved when we thought the Hellcat was going to be here. Since it isn't going to be here for about 30 days after, I was concerned that they would re-run my credit and each time they do that after 30 days it takes a small amount off your score. I talked to the finance guy about it and he called the bank and got them to hold everything so they won't need to re-run my credit or do anything else. I did do a pre-approval through Chrysler though before I went in and ordered, just to be safe.:)
     
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  5. hellcat1

    hellcat1 Gold Member

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    They run your credit, they do a soft pull, before they order you a car, There not going to order you a car if your credit (at least in there eyes) wont fly
     
  6. Carnage

    Carnage SRT Hellcat Supercharged Moderator Staff Member Hellcat Car Club Gold Supporting Member HCC Charter Member

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    Yeah my rep says it's still good for 30 days because it's pulled already tho
     
  7. Carnage

    Carnage SRT Hellcat Supercharged Moderator Staff Member Hellcat Car Club Gold Supporting Member HCC Charter Member

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    My dealership did the opposite, took deposit first. I walked in a month and half later then did a soft pull.
     
  8. Tammie

    Tammie SRT Hellcat Moderator Staff Member Gold Supporting Member

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    I guess it is a little different for me since I have bought so many cars from them, they had a basic idea of my credit and income so they knew it would be okay. I am the one that forced them to get the credit done so I would know what the payment and interest was going to be. I am just glad they are able to lock in the rate even if it passes the 30 days.
     
  9. BossHawg

    BossHawg Senior Hellcat Member

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    I'm jus stealing mine
     
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  10. WindowShaker

    WindowShaker Gold Member

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    My inside guy at the dealer I bought from IS the finance manager. I've bought from him twice so my experience is like yours, Tammie. He has the basic idea of my credit and he can "work his magic" as he put it to get me the best rate. Plus, I'm putting a good chunk down too.
     
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  11. Tammie

    Tammie SRT Hellcat Moderator Staff Member Gold Supporting Member

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    That should get you a REALLY good interest rate until you run outta gas and they catch your a$$!:D
     
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  12. BossHawg

    BossHawg Senior Hellcat Member

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    Honestly I've been with the same company for many years and many vehicles. They don't even run my credit the last few purchases. If you can build a relationship with a bank do so, it helps.
     
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  13. BossHawg

    BossHawg Senior Hellcat Member

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    Car comes with 8 gallons...that should give me a good lead lol
     
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  14. WindowShaker

    WindowShaker Gold Member

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    Yes, about 5 minutes worth at full power...should get you around 10 to 12 miles :p:p
     
  15. BossHawg

    BossHawg Senior Hellcat Member

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    Good point I need to have an enclosed trailer around the corner. Lol
     

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