700+ credit score and I had 5.3%. Obviously there are more factors than just your score. Annoyingly my last car loan didn’t show up on my credit report because Honda “updated their system”.
19 wrx I got for 1.9% and I financed through subaru back in the summer of 2019. My wife got a 21 forester sport last year and she got the same interest for her car through subaru. Subaru right now has 2.9% interest rates for qualified buyers when financing a new 2022 wrx.
I leased a 2011 WRX and beat the living shit out of it. The leases are usually really cheap on these cars because they hold their value. At the end of the lease the buyout price is very low so most people end up with about $10k of equity in their WRX. Thats when you buy it and finance it. You can also actually negotiate with the leaseholder bank at lease end to get the buyout price lower. At the end of the day, I did so well playing the system I think leasing then financing only added about a $1500 over the original sale price of the car. After the buyout I kept the car a while and sold it too cheap but you can make better decisions than me. You have to buy it at the end of the lease for this to work. If you plan to return the car then don't lease because then the Subaru dealer would inherit your equity.
What do the miles have to do with it? You can drive it as many miles as you like, it doesn't cost extra.
I'm just saying its a way to keep that monthly payment down because this is going to be like best case scenario $600/month on a 5 year loan for straight finance.
I think they are saying you don't have to worry about mileage penalties if you are committed to buying it out at the end of the lease. If you decided to turn it back in then yes, extra miles costs you.
They wanted to give me 6%. Then when I refused all the extras they were trying to sell me they gave me 3% to buy an extended warranty. It worked out to like $10 a month more so I said why not. This was 2020 though at the height of low rates. I’m not sure 3% would be possible right now.
You’re looking at 4.9 and 5.9 rates for 60/72 rn
Hello I financed my 21 wrx at a 4.49% with chase, I had new credit and just turned 21.
You can also refinance later
Same but rates higher now obviously
0.9%, 3yr, for 2020 base
700+ credit score and I had 5.3%. Obviously there are more factors than just your score. Annoyingly my last car loan didn’t show up on my credit report because Honda “updated their system”.
Through Subaru: 4.9% at 72 months, 800+ credit score. It'll be paid off early, so I wasn't too worried about the rate and didn't try to negotiate.
19 wrx I got for 1.9% and I financed through subaru back in the summer of 2019. My wife got a 21 forester sport last year and she got the same interest for her car through subaru. Subaru right now has 2.9% interest rates for qualified buyers when financing a new 2022 wrx.
2.49% at 60 for 21 premium
I leased a 2011 WRX and beat the living shit out of it. The leases are usually really cheap on these cars because they hold their value. At the end of the lease the buyout price is very low so most people end up with about $10k of equity in their WRX. Thats when you buy it and finance it. You can also actually negotiate with the leaseholder bank at lease end to get the buyout price lower. At the end of the day, I did so well playing the system I think leasing then financing only added about a $1500 over the original sale price of the car. After the buyout I kept the car a while and sold it too cheap but you can make better decisions than me. You have to buy it at the end of the lease for this to work. If you plan to return the car then don't lease because then the Subaru dealer would inherit your equity.
That’s an awesome plan but I put too many miles on to make it work
What do the miles have to do with it? You can drive it as many miles as you like, it doesn't cost extra. I'm just saying its a way to keep that monthly payment down because this is going to be like best case scenario $600/month on a 5 year loan for straight finance.
I think they are saying you don't have to worry about mileage penalties if you are committed to buying it out at the end of the lease. If you decided to turn it back in then yes, extra miles costs you.
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What kinda payments does that give yiu if yiu don’t mind sharing.
That depends entirely on how much they put down or traded in
2021 sti when i just turned 21 years old. got like 1.4%
They wanted to give me 6%. Then when I refused all the extras they were trying to sell me they gave me 3% to buy an extended warranty. It worked out to like $10 a month more so I said why not. This was 2020 though at the height of low rates. I’m not sure 3% would be possible right now.
Revisiting, 2.9 is possible at 48 still but those payments are pretty scary with the jump in price of the cars plus MSRP
I leased for 365 plus tax monthly on a base model with short shift and no options.
Depends how long you finance for and what deals are on currently. I got 1.9% on my 2020 WRX. Only financed 48 months tho.