![]() 25% reduction for auto pay which comes to 3.5% APR. I didn't sign the finance contract though, and I got a credit union to take a second look at their offer of 4.89% and they brought it down to 3.75% (to beat honda) and offer. This is without any kind of GAP insurance or extended waranty that I do not plan to purchase. They said there is no rate reduction for down payments, but I can if I want to. what are your myfico down, total loan $25,700 3.8% APR, payments came to be $400 and some change. and i don't even know if they're easy to get either. if they can't finance, my second option would be an altima. How much was the total loan you got and your monthly payment? how much was your down payment? i really don't wanna get denied or get a super high rate since its my first car that i will be purchasing. ![]() ![]() A big part is your debt to income ratio as well. They offered me 3.8% and with 4 or so charge offs, some unpaid. Remember that honda rates are negotiable, and they will try to match or beat your best rate offer. I have financed a car before so I'm not sure how this will affect you. They pulled EQ FICO and TU (auto enhanced). I just bought a 2013 honda accord like less than two hours ago. 25% lower than what you really got approved for out of the places you applied to. It all counts as 1 inq for scoring purposes so long as they are in a short time frame.Īpply at honda finance last and tell them you got approved. any thoughts would be appreciated.Īpply at 5+ places and include credit unions. I don't know my if honda is very hard to get approved but am also considering capital one since they have been sending me preapps up to $30k and honda was one of the dealerships that was listed on my last preapp. 20% utility and will try to make it less than 15% when I apply. have 2 charge offs on each report that are 5-6 yrs old. Who do they pull? I am a first time buyer and wanna buy a 2013 honda accord ex or ex-l in may or june of this year.
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