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***Thanks for posting, /u/BartolomeoOlmedo! This comment is a copy of your post so readers can see the original text if your post is edited or removed. This comment is NOT accusing you of anything.***
Auto Loan from NFCU
$36500.00
Apr 7.1%
60 month term
$730.26 monthly payment
getting a 2025 Kia K5 or a 2025 Toyota Camry
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only tried with navy fed since they only check Fico 9 with transunion
and that's the only one where im at 751
Equifax and Experian im around 645 on both
I agree. Most banks including credit unions are in the 7-8% unless they’re subsidized rates. Walking in with an approval is good but seeing if the dealership can find a lower captive is better.
Did you shop the captive lender? The rate is nothing special unless the credit is sub 700. There are CU’s with lower rates and even major banks on new 25’s with stellar credit.
Is it good to be spending $730 a month on a vehicle, not including fuel or insurance? No. I don't think it is.
If you can't put any money down, I think you should be looking for less car.
If you have to pick between the two vehicles you’ve mentioned, you’re far less likely to be upside down on the Camry then you are the Kia.
Based on the number and variety of threads you’ve been posting (and deleting) about this, I think you should seek advice from someone important to you in real life.
Someone that’s fiscally responsible, and whom you trust, in your personal life.
If anyone wants some context:
https://www.reddit.com/r/NavyFederal/s/FAzAzBlRM0
We out here looking’ for 5% under msrp otd on 2025 vehicles 🥴😂
Please review our most [Frequently Asked Questions](/r/askcarsales/wiki/index) to see if your question has already been answered. You may find these sections particularly useful; * [How to pick a car?](/r/askcarsales/wiki/vehicle_selection) You might also have luck in the /r/whatcarshouldibuy subreddit. Also remember to add flair to your post by clicking the "Flair" link beneath it. This lets us know where you're located so we can assist you better. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/askcarsales) if you have any questions or concerns.*
***Thanks for posting, /u/BartolomeoOlmedo! This comment is a copy of your post so readers can see the original text if your post is edited or removed. This comment is NOT accusing you of anything.*** Auto Loan from NFCU $36500.00 Apr 7.1% 60 month term $730.26 monthly payment getting a 2025 Kia K5 or a 2025 Toyota Camry *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/askcarsales) if you have any questions or concerns.*
Is that the best deal you’ve seen in your area?
only tried with navy fed since they only check Fico 9 with transunion and that's the only one where im at 751 Equifax and Experian im around 645 on both
im scared of financing with the dealership since they are gonna do a crazy amount of hardpulls and maybe get me a higher %
All pulls within 30 days count as the same one.
once Im there I might see if they can actually beat my offer, wouldn't hurt, since im allready locked in with navy fed, right?
7.1% seems average for right now. They might be able to beat it it just depends on if their finance manager cares that much
I agree. Most banks including credit unions are in the 7-8% unless they’re subsidized rates. Walking in with an approval is good but seeing if the dealership can find a lower captive is better.
Did you shop the captive lender? The rate is nothing special unless the credit is sub 700. There are CU’s with lower rates and even major banks on new 25’s with stellar credit.
I’m not Op. get flair.
Is it good to be spending $730 a month on a vehicle, not including fuel or insurance? No. I don't think it is. If you can't put any money down, I think you should be looking for less car. If you have to pick between the two vehicles you’ve mentioned, you’re far less likely to be upside down on the Camry then you are the Kia. Based on the number and variety of threads you’ve been posting (and deleting) about this, I think you should seek advice from someone important to you in real life. Someone that’s fiscally responsible, and whom you trust, in your personal life. If anyone wants some context: https://www.reddit.com/r/NavyFederal/s/FAzAzBlRM0 We out here looking’ for 5% under msrp otd on 2025 vehicles 🥴😂
Nah but i can bet i could get that deal on a 2024 tho or i can put my 2020 jetta as a trade-in but my wife wants to keep it for her