Quote Originally Posted by Julio
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.