Does anyone know what credit score it takes to qualify for this IFS offer? What's Tier 0/1 mean. (that's what the fine print on InfinitiUsa.com says)

 

Teir 1 = 700 and above

 

It's a great deal, i am paying $583 a month (nothing down, TTL included) for 72 months at 0.9%. Total interest paid over the entire loan is only around $1050. Yea gamedog is right, gotta be above 700..

 

First timer here nice board care to share what your OTD price was on the loan? thanks in advance.

 

not many '08 coupes remaining ... i sold out 3 months ago.

 

It was like $39,000 about including Tax Title License and 8.35% sales tax, loaded, W/O Rear spoiler and 4WAS..

 

Thanks guys,
I'm from St. Louis; theres a lot of 08's on the lots here still. They're definitely not budging on any 09's right now. Maybe I should go out of town to get one. Dammit!! I think my credit's like 670-680ish. So I prob wont be able to get the 0.9%

 

Based on my recent experience, 670 is pretty much garbage as far as IFS is concerned. That's like tier 3 or 4 (they may score you lower than you think you are).

However, (this was true at my dealer anyway) if you have equity (i.e. a trade with some value or a decent downpayment) they will bump you up into the next higher tier. Even if you don't get the 0.9, it can make a significant difference.

Remember, you can deal on the financing even if they don't want to move much on the car. Or you can check with your bank/credit union, even if you don't end up going with them you can take their rate in with you and use it as leverage if it's lower than what IFS offers.

Good luck!

 

^My lease on the g35 coupe is up, I wanted to lease an 09 coupe, but there's no deals on them. The only thing I can get my hands on around here would be an 08 either a lease or a purchase. I dont know if it would be such a good idea to lease an 08 though

 

Well, I leased my 09, but as you said, they're not doing any lease specials on the 09 (at least not on the one I wanted).

What I ended up doing was paying TTL up front rather than rolling it into the lease, so they bumped me up a tier.

If you're going to lease again, maybe they have some loyalty cash they could throw at you. I'd go for the 09, but I'm biased because I have one and love it...

 

If you don't make tier 0/1 you can still usually get 1.9 or something close, luckily I already had two loans with nissan so I got bumped to tier 1 even though I had a 680

 

Credit Score is not only thing. I had 735 and I still don't qualify for Tier 0/1 because I didn't have auto loan before.

 

There is also a Fico Auto enchanced score that they use rather than the typical EQ, TU, or Ex Fico etc. that may come into play with regards to scores.

But if you leverage say your credit union with a 2.9 % like from Penfed they might just get you up the tier to use their financing.

 

So you have to have auto loan before to qualify for tier0/1?

 

According to my dealer, yes. But I only have like 7 years of credit history with credit card and student loan only.