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Discussion Starter · #1 · (Edited)
Ordered a wide body after taxes and fees total price is about 88k just wondering will 15k down with a 680 Experian 8 credit score get me in it or will I need to put down more make about 9k a month
 

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Cutting it close with that credit score but its possible, you will likely have a high interest rate though.
 

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Challenger SRT Hellcat
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830 score. $10k down. 3.39 APR.
Coulda done better by at least a point.

Original poster, you'll get in it but your rate will be higher. Rough guess would be 5-8%?
 

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2021 widebody Redeye Pitch Black.
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You could have an awesome score, but your debt to income ratio can hurt your % as well.
 

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Discussion Starter · #9 ·
I’m
You could have an awesome score, but your debt to income ratio can hurt your % as well.
yeah I don’t have any debt, the ratio is well under 15% my credit just took a hard hit and dropped to 680 last month because I didn’t pay off my credit card on time but my statement balance is back to 0 and I already ordered my car I just might have to put a lil more down than I originally planned because of that
 

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Discussion Starter · #10 ·
shop around. but even at that, financing 73k at a really low rate for these days will still have you at $1100 a month for 6 years.
I order my car off dodge.com it originally came up to almost 77k with a lot of upgrades but the dealer ship added on 3k to make a profit which I’m going to try to negotiate. The 88k is the price for the taxes,fees and delivery
 

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2015 Challenger SRT Hellcat M6
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With a FICO in the low 800's, I qualified for the dealership's top finance option (Ally Bank @ 3.99%) financing $25k after getting $18k for my trade (2013 R/T) and putting another $10k down. I suppressed my Isn't that cute grin and said no thanks, I'm pre-approved through my credit union at 1.74%. If you think it's not that big of a difference, my CU rate will save me $2500 over the life of the loan.

EDIT: Had another look at my cheat sheet. Actual amount saved was $1400. But still...
 

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2020 Challenger HC A8
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I don’t have any debt, the ratio is well under 15% my credit just took a hard hit and dropped to 680 last month because I didn’t pay off my credit card
Ummmm, if you pull in 9K a month and have a 680 credit score, you have other stuff going on. And insurance is factoring credit scores for your premium, That could be an ouch. Have you priced insurance?

Past that, If you can join Navy Federal, they're still offering 2.29% for 72mo.

./
 

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Ummmm, if you pull in 9K a month and have a 680 credit score, you have other stuff going on. And insurance is factoring credit scores for your premium, That could be an ouch. Have you priced insurance?
This. While I don't feel the need to humble brag my credit score and interest rate on an anonymous forum, I'd suggest working on improving your credit score before buying an unnecessary luxury.
 

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Discussion Starter · #17 ·
Ummmm, if you pull in 9K a month and have a 680 credit score, you have other stuff going on. And insurance is factoring credit scores for your premium, That could be an ouch. Have you priced insurance?

Past that, If you can join Navy Federal, they're still offering 2.29% for 72mo.

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Na I just booked a trip on my credit card and forgot to pay it off last month and my shit dropped 48 points right after paying off my 2019 RT but the statement balance is back to 0 as of this month on the credit card and it went up a lil bit but no where near were I was at and insurance not going to be a problem I make well enough money with no debt so I’m not really worried about payments I just might have to add to my down payment to get a better interest rate at this point
 

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Na I just booked a trip on my credit card and forgot to pay it off last month and my shit dropped 48 points right after paying off my 2019 RT but the statement balance is back to 0 as of this month on the credit card and it went up a lil bit but no where near were I was at and insurance not going to be a problem I make well enough money with no debt so I’m not really worried about payments I just might have to add to my down payment to get a better interest rate at this point
😕 - 48 points for a late (30+ day credit card payment).

I think, we've been pulled into another one here.
 
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