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Thread: Financing options

  1. #131
    Burrito Founder brianman's Avatar
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    Quote Originally Posted by yobigd20 View Post
    You don't have to answer this but I'm curious what your DTI was...
    Debt-to-income ratio - Wikipedia, the free encyclopedia
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  2. #132
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    I know what it is, I was wondering what his numbers were to get denied
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  3. #133
    Burrito Founder brianman's Avatar
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    Ah .
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  4. #134
    Sponsor (& Model S Owner) pete8314's Avatar
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    A couple of questions....

    - With PenFed, I think I've read that once approved, you have to drawdown within 90 days. I'd like to get approval before I lock in my spec, so if I then do not get delivery within the 90 days, what happens? Does the approval stay, but the rates might change, or do you have to start all over?

    - In terms of the 72 month rate, has anyone seen better than PenFed's 3.49%? USAA isn't an option for me, although I'm member, auto loans are not open to non-US citizens.

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  5. #135
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    Quote Originally Posted by pete8314 View Post
    In terms of the 72 month rate, has anyone seen better than PenFed's 3.49%? USAA isn't an option for me, although I'm member, auto loans are not open to non-US citizens.
    I think I had seen some people getting around 2.74% for 84 months...probably with a credit union but don't recall exactly.

    https://www.safecu.org/loan_rates.aspx shows 72 and 84 at "as low as" 2.99%
    https://www.jfcu.org/rates_consumerrates.asp shows 72 and 84 "as low as" 2.49%

    key is "as low as" - dunno if people actually get those rates...
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  6. #136
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    Quote Originally Posted by pete8314 View Post
    - In terms of the 72 month rate, has anyone seen better than PenFed's 3.49%? USAA isn't an option for me, although I'm member, auto loans are not open to non-US citizens.
    Take a look at the payment difference between 60 mos at 1.49% and 72 mos at 3.49%. The 72 mo payment is about 10% lower. Is that difference worth the additional interest cost over time?
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  7. #137
    Sponsor (& Model S Owner) pete8314's Avatar
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    Quote Originally Posted by JohnQ View Post
    Take a look at the payment difference between 60 mos at 1.49% and 72 mos at 3.49%. The 72 mo payment is about 10% lower. Is that difference worth the additional interest cost over time?
    Almost certainly not, just keeping my options open though.
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  8. #138
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    Quote Originally Posted by nrcooled View Post
    I worked with Navy Federal and they were great.
    Thanx for the tip

    - - - Updated - - -

    Quote Originally Posted by yobigd20 View Post
    You don't have to answer this but I'm curious what your DTI was...
    You're correct; I don't have that answer

    - - - Updated - - -

    Quote Originally Posted by beck.christopher View Post
    so what are you going to do?
    bake sale!
    (of course if I was getting a Fisker it would be a fire sale - ok, that was a joke, sorry)
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  9. #139
    Owner/Investor/Advocate TXjak's Avatar
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    Quote Originally Posted by pete8314 View Post
    - In terms of the 72 month rate, has anyone seen better than PenFed's 3.49%?
    If you have family in the Austin area, the Amplify Federal Credit Union is offering 1.69 for up to 66 months, 2.09% for 72 months, and more.
    Last edited by TXjak; 2012-12-09 at 12:01 PM. Reason: added 66 month rate
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  10. #140
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    Quote Originally Posted by TXjak View Post
    If you have family in the Austin area, the Amplify Federal Credit Union is offering 2.09% for 72 months.
    http://www.usfed.org/home/loans-cred.../vehicle-loans

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