[Agent Jones]

i thought yours was for sale tim

[H0SS302]

iv been looking for a mach for a couple days, every one iv found at other dealerships have been either WAY overpriced or like the one today, i ran the vin on FMC dealer and it had so many write ups through warranty about shit i just passed on it.

it was 17k and i would have financed for 72 months to get my payments at 280(my vert is already financed at 72 so it wouldnt bother me to add another yr for a newer better car)

[Ryan_65Stallion]

Originally Posted by timpryor

Not off the top of my head Ryan PM me the link to the one in Cibolo

k, I'll try to find it. its the same color as yours too.
Cars For Sale: Car Details - AutoTrader.com

[Agent Jones]

i just checked with USAA since i have accounts with them also. have they ran your credit yet? Because the rates you quoted was with excellent credit...not saying you dont have that...its just not very common to have a 720+ credit score out of HS even if you have paid all bills on time. The length of history just isnt long enough to warranty that high of a score....but again this is jsut the norm and you could have that so not trying to knock your rates. I just know sometimes when you call they will just give you a rate to try and get you off the phone....but if they ran your credit and gave you that rate then your all golden..

[H0SS302]

Originally Posted by Agent Jones

i just checked with USAA since i have accounts with them also. have they ran your credit yet? Because the rates you quoted was with excellent credit...not saying you dont have that...its just not very common to have a 720+ credit score out of HS even if you have paid all bills on time. The length of history just isnt long enough to warranty that high of a score....but again this is jsut the norm and you could have that so not trying to knock your rates. I just know sometimes when you call they will just give you a rate to try and get you off the phone....but if they ran your credit and gave you that rate then your all golden..

mines 718

[Agent Jones]

Originally Posted by H0SS302

iv been looking for a mach for a couple days, every one iv found at other dealerships have been either WAY overpriced or like the one today, i ran the vin on FMC dealer and it had so many write ups through warranty about shit i just passed on it.

it was 17k and i would have financed for 72 months to get my payments at 280(my vert is already financed at 72 so it wouldnt bother me to add another yr for a newer better car)

they really let people finance used cars worth 15-18k for 6 years??? sorry i just didnt now that they did that. I thought the older the car the shorter the term...when i bought my 04 back in 05 since it was 2 years old SSFCU wouldnt go more than 54 months on it. and my 07 had the option for 72/84 months but you end up paying way too much interest in the long run i just did it for 60. streching it out when you are young is not that bad of an idea to get a better car for a lower payment but i just didnt know they did that on used cars.

[H0SS302]

Originally Posted by Agent Jones

they really let people finance used cars worth 15-18k for 6 years??? sorry i just didnt now that they did that. I thought the older the car the shorter the term...when i bought my 04 back in 05 since it was 2 years old SSFCU wouldnt go more than 54 months on it. and my 07 had the option for 72/84 months but you end up paying way too much interest in the long run i just did it for 60. streching it out when you are young is not that bad of an idea to get a better car for a lower payment but i just didnt know they did that on used cars.

mines an 01 with a 6 yr.... they get more money out of it, why wouldnt they let u. i would be paying like 50 bucks more if i got a mach...well worth the 50 hehe

[Ryan_65Stallion]

Originally Posted by Agent Jones

i just checked with USAA since i have accounts with them also. have they ran your credit yet? Because the rates you quoted was with excellent credit...not saying you dont have that...its just not very common to have a 720+ credit score out of HS even if you have paid all bills on time. The length of history just isnt long enough to warranty that high of a score....but again this is jsut the norm and you could have that so not trying to knock your rates. I just know sometimes when you call they will just give you a rate to try and get you off the phone....but if they ran your credit and gave you that rate then your all golden..

Yes, I actually have no credit yet. So my mom is going to co-sign with me, and thats why I got great rates because of her credit.
I can understand your doubt but the rates are due to my mom's credit not mine, haha.
I've never had a credit card yet or my own loan. Just checking and saving accounts.

[Agent Jones]

Originally Posted by H0SS302

mines 718

nice on all three??? my problem is that my 3 range from a difference of like 30 points. I have a 760, 735, and 742. I need consitency. When i bought my house they had to do so much verifications because of the huge difference. I looking for a new house right now and i hope they have gotten closer to each other when i close on the new one.

[H0SS302]

Originally Posted by Agent Jones

nice on all three??? my problem is that my 3 range from a difference of like 30 points. I have a 760, 735, and 742. I need consitency. When i bought my house they had to do so much verifications because of the huge difference. I looking for a new house right now and i hope they have gotten closer to each other when i close on the new one.

lol i couldnt tell ya, i just had my credit run and thats wht the lady told me.

[timpryor]

Its his co signer thats why his rate is so great, and my credit 1 yr after HS was a 708 since i had no credit in HS.

And no my car is no longer for sale

[Agent Jones]

Originally Posted by H0SS302

mines an 01 with a 6 yr.... they get more money out of it, why wouldnt they let u. i would be paying like 50 bucks more if i got a mach...well worth the 50 hehe

yeah i know they make more money off of it, but they dont get that money for a while. thats the reason why they dont offer 50yr mortgages. the banks would make a killer over that 50yr probably 4 or 5 times the princial becasuse at just 30 yrs at 6% they get more than double the princple at the end of the loan

[Agent Jones]

Originally Posted by timpryor

Its his co signer thats why his rate is so great, and my credit 1 yr after HS was a 708 since i had no credit in HS.

And no my car is no longer for sale

i saw that know, again i never doubted him i jsut said it was UNCOMMON. not impossible

[SUfanINsa]

Originally Posted by Agent Jones

they really let people finance used cars worth 15-18k for 6 years??? sorry i just didnt now that they did that. I thought the older the car the shorter the term...when i bought my 04 back in 05 since it was 2 years old SSFCU wouldnt go more than 54 months on it. and my 07 had the option for 72/84 months but you end up paying way too much interest in the long run i just did it for 60. streching it out when you are young is not that bad of an idea to get a better car for a lower payment but i just didnt know they did that on used cars.

SSFCU in my experience has some of the highest rates around, That is why i started banking with Broadway and then RBFCU

[H0SS302]

Originally Posted by SUfanINsa

SSFCU in my experience has some of the highest rates around, That is why i started banking with Broadway and then RBFCU

RBFCU FTMFW

[Agent Jones]

Originally Posted by SUfanINsa

SSFCU in my experience has some of the highest rates around, That is why i started banking with Broadway and then RBFCU

yeah i dont bank with them that much anymore. i bank with Citi, CapOne, Chase, and USAA...except with my 07gt they gave me a rate lower than USAA its 3.9% i think or somewehre around there.

[timpryor]

Originally Posted by H0SS302

RBFCU FTMFW

word

[DafreakinReakin]

man i wish my car insurance was as low as yalls...mines 400 a month...fuckin blooooows balls

[timpryor]

^HOW?

[DafreakinReakin]

i dont even know...im under my gparents n mom...through state farm...