ok heres what im getting...

2009 g37 journey
7at
athens blue
graphite interior
sports pkg
nav pkg
premium pkg
splash guards
spoiler
illuminated kickplates

so far this is what im looking at...

46,000 including ttl (500 over invoice)
5,000 down
7.95% apr
72 months
728/month including gap

its about 100/mth more than im paying now but the fact is im borrowing about 10,000 more than i was last time and rates are higher with the economy as is. im annoyed because it adds up to about 10,000 in interest charges but i can lower that by paying it off earlier.

so what do you guys think?

 

7.95% APR? WOW, go to www.capitalone.com and get 5.54%

Also paying off earlier doesn't help as much as huge down payment. Interest is the most during the initial 24-36 months.

 

ya the rates are really pissing me off but thats what infiniti says the best they can get is. i think im going to stop by bank of america tomorrow and see what they can do.

 

So what they are saying is that you don't qualify for Tier 0/1?

 

ya i dont think so. my credit score is a 690-700 depending. they say if i was over 720 but it would only be like .5-1% lower so it doesnt make a huge difference. stupid score because i was over 750 like 3 years ago when i bought my g35. i just have more lines open now between my condo, tv, etc.

 

$40,952 thats your invoice... just wanted to double check your figures Pre TTL...?

 

don't get 7AT... get 6MT

 

Just go to Capital One and apply 5.54% is pretty good...

 

i would definitely check outside loan sources

 

Does lube come with that high APR%?

 

lol

 

try your local small credit unions to get the best rate. you will probably have to pay a really small fee to join the credit union and open an account. boa won't give you a better rate. you can apply for the advertised rate on capital one but you won't get it unless you have a really high credit score with no debt.

 

Are you sure that is only $500 over invoice?

 

He said that was after TTL (TAX TITLE LICENSE)

 

ok woady here is what you do. stop crying about price say f it i cannot take all this money with me to the grave and buy the car. lol


Man buy the car you have been waiting too long