what kind of APR have you gotten for the TSX? i was just reading that someone got a 3.54% and i was wondering if you need near perfect credit to get an APR that good. also, if you put more $ down, does that significantly lower the APR?

 

I got 4.14% (AHFC), and you need a 740 on your FICO score to qualify. 3.54%, I don't know- maybe you need to be god or something?

 

My credit union (www.direct.com) offers 3.95% up to 60 months; 4.95 up to 72 months. I'm not sure what their cutoff is as far as credit score, but I qualified.

And, at this rate, they'll finance up to 105% of the MSRP of the car.

 

i got 3.74% 60 months from AHFC

 

4.99 ahfc... 22 years old w/ score of 780.

 

I got 3.54% from AHFC for 60 months. That was a week ago. My credit union offered 4.5%. My FICO score was 747. I think the dealer finance manager mentioned that a FICO of 720 was needed to get the 3.54%

 

what if someone has NO credit, but they have a lot of cash to put down? how do they determine APR if they don't have a credit card or no history of paying bills?

 

2.99 from ahfc. this was during the promotion on memorial day weekend w/ credit score > 720

 

I'm not a loan officer but I would image the fact that you're going to put a significant amount down will help with limited credit history. However, I don't think it'll lower your APR all that much. The good news is that the difference in a monthly payment on 5% loan vs. a 3% loan will be pretty small, like a couple of dollars.

 

paid it all once

 

You should talk to your local credit union. At mine, rates are currently 3.29%, and you don't need a ridiculously high credit score to get it.

 

I got 3.75% at my credit union. That's after i had to bitch at them about my credit. They were gonna give me 4.75%, but I told them I would take my money out and they had to talk to a lot of people, and I finally got it.

 

3% with Chase. I don't know my exact credit score but someone told me it was "well over 1000" ---whatever that means.

 

FICO scores are up to 850 only !!!!!

 

Ok, I'll take that. Like I said, I wasn't exactly sure.

 

 

Wow, 3.54% for 60 months. In Canada, we can only dream of rates like that.

Our FICO score ranges between 300 and 900, and mine is 798. I have yet to find a financial institution that will do better than Acura's 6.8%.

 

3.9% through AHFC for 48 months.

 

whats ahfc?

 

I financed from somewhere in Virginia (a credit union that the Acura dealership used) and they gave me 3.79%. They initially came back with 6.9%, but I knew they were just blowing smoke up my ass. I waited out for 3 days and the salesman finally came back with the 3.79%. I was happy with that and bought the car.

 

American Honda Finance Corporation