The Last Limited Sti Is Still For Sale!!! Some F'd Up S***T!

[Jkuao]

hnmm... No pun to no one... But we cant sit here and blame the dealer when we dont even know the guys Credit score.

APR is based on your FICA score. you think if you walk into a dealer like that one with a 450- 520 score you going to get a 5 % interest rate? Doubt it.

It really depends on your score. If you have anything under a 650 Fica.. dont expect you apr to be that LOW. Im not saying is imposible for someone with a score uncer 650 or so to get like a 8% or something... anyways.. if your score is like 680 and above and they were trying to charge you 12 % or HIGHER.. then yes, they were rapping you up the ass.....

Also, Ford will finance anyone right now.... I mean.. they need cars in the rd at any cost.

Not to be too annoying about it but they're FICO. I work for Fair Isaac . FICA is what you pay for Social Security and Medicare.

A big chunk of it is FICO...another big chunk of it is how much the dealer thinks he can get away with. Ed Voyles Acura salesman thought I was in love enough w/ a TSX to pay MSRP and 7.7% despite my nearly 800 credit score. Infiniti was nice enough to give me 4.9...they would have given me 2.9% on the coupe but I had enough coupes for now. My sister-in-law has over an 800 but she fell in love w/
her IS350 and the dealer got her to pay 6.5% w/ 15k down.

[RandomGuy]

Not to be too annoying about it but they're FICO. I work for Fair Isaac . FICA is what you pay for Social Security and Medicare.

LIRL

called out

[/instigate]

[Julio]

Not to be too annoying about it but they're FICO. I work for Fair Isaac . FICA is what you pay for Social Security and Medicare.

A big chunk of it is FICO...another big chunk of it is how much the dealer thinks he can get away with. Ed Voyles Acura salesman thought I was in love enough w/ a TSX to pay MSRP and 7.7% despite my nearly 800 credit score. Infiniti was nice enough to give me 4.9...they would have given me 2.9% on the coupe but I had enough coupes for now. My sister-in-law has over an 800 but she fell in love w/
her IS350 and the dealer got her to pay 6.5% w/ 15k down.

My bad.. your right .. FICO score... hahahah to funny on my part..

[Julio]

A big chunk of it is FICO...another big chunk of it is how much the dealer thinks he can get away with. Ed Voyles Acura salesman thought I was in love enough w/ a TSX to pay MSRP and 7.7% despite my nearly 800 credit score. Infiniti was nice enough to give me 4.9...they would have given me 2.9% on the coupe but I had enough coupes for now. My sister-in-law has over an 800 but she fell in love w/
her IS350 and the dealer got her to pay 6.5% w/ 15k down.

In this case.. .. Atleast we know where you stand with your credit score.... And is obvisous why you get a good APR.

But is up to the consumer to open there eyes and not be dumb enough with a 700 + Score to be happy with a 12% APR.. thats dumb...

your case is diffrent.. What I was saying is in this thread is, the person who started this thread didnt give all the specifics......

[Jkuao]

In this case.. .. Atleast we know where you stand with your credit score.... And is obvisous why you get a good APR.

But is up to the consumer to open there eyes and not be dumb enough with a 700 + Score to be happy with a 12% APR.. thats dumb...

your case is diffrent.. What I was saying is in this thread is, the person who started this thread didnt give all the specifics......

Definitely agree. The thread starter needs to either post up all the details or seriously evaluate their financial status if they want to spend that kind of money on a car. The salesman stands to possibly make as much as 12-13k in pure profit off of them all b/c they want a badass car.

$700/mon is a car payment that few people can actually afford. Someone w/ a fairly decent job at 50k shouldn't be making a commitment like that. After insurance, gas, and maintenance, it's over 1/3 of the take home income off 50k. Unless you live at home and your parents pay for everything else in your life it's not close to affordable.

[Julio]

Definitely agree. The thread starter needs to either post up all the details or seriously evaluate their financial status if they want to spend that kind of money on a car. The salesman stands to possibly make as much as 12-13k in pure profit off of them all b/c they want a badass car.

$700/mon is a car payment that few people can actually afford. Someone w/ a fairly decent job at 50k shouldn't be making a commitment like that. After insurance, gas, and maintenance, it's over 1/3 of the take home income off 50k. Unless you live at home and your parents pay for everything else in your life it's not close to affordable.

I agree.. shit, I got 2 car notes for a little bit more then that...

[Fast Shadow]

Not to be too annoying about it but they're FICO. I work for Fair Isaac . FICA is what you pay for Social Security and Medicare.

Do you work in the Phillips building? I work there and I saw Fair Isaac has an office, along with Equifax.