J******9
发帖数: 736 | 1 新车月供有点紧张，考虑二手次新车，这样月供的压力小一些。请教一下。
大dealer一般给的利率，是一口价，还是有商量？根据买车人的credit来的吗？还有贷
款年限，3或者4年，也是自己定吗？
我自己有credit Union的户头，在银行在线申请car loan的时候，需要填入车型信息以
及贷款额度，可以现在还没有具体到我要买哪一款车型、贷款多少的程度？因为不同的
dealer，价格都不一样。大家一般都是进行到什么程度了，才去找银行申请车贷？一般
多久可以批复？银行给现金支票吗？
第一次，菜鸟问题太多。谢谢 | l***x
发帖数: 684 | 2 Not much experience.
Dealers have low APR ads, but mostly applies to new cars only.
When I found my car, we have not ready for loan application yet. So in my
case, by the time I apply loan, I already paid the dealer a deposit.
US banks has 3% APR was the best among major banks when I buy my car (CPO),
turned us down because no combined credit (never had loan, pure credit card
to build up credit score).
I ended up went to a credit union and they gave us the check right next day,
1.5% APR, 5 years.
Hilarious part:
Volkswagen dealer told us they are sorry after I had driven my car couple of
months...
Hope helps somehow. | J******9
发帖数: 736 | 3 谢谢。看来找credit union都能拿到比较低的APR。找credit union是不是必须是他们
银行的客户、有账户在银行，才能申请车贷？ |
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