I have a credit score of 785 and I am looking to buy a car, what interest rates should i get in Mo or KS?

Question

What are the lowest interest rates should I get with a credit score of 785 for an auto loan in the state of Missouri and/or kansas?

Answer 1

Well I think that you should be able to get 7% because I was having a really hard time getting a car loan and I did a ton of research and found a place that gives car loans to people with sub par credit ( I had a 580 fico ). The interest rates are a little higher but very fair I think. I got a 20k loan for a brand new car and got 9.5% APR. I highly suggest it if you are in the same situation. Here is the site.
http://badcreditautoloans.freesitehoster.com/carloan.html.txt

Answer 2

For Finance and credit solutions I recommend this site where you can find all the solutions. http://finance-solution.us/index.html?src=rzv0mnd6RkS

RE :I have a credit score of 785 and I am looking to buy a car, what interest rates should i get in Mo or KS?
What are the lowest interest rates should I get with a credit score of 785 for an auto loan in the state of Missouri and/or kansas?
Follow 8 answers

Answer 3

You have an excellent credit rating. If you are purchasing a new car, there are all sorts of 0% finance offers out there, or very low interest rates 3-5%. Percentages are pretty much based on how long the loan is going to be. Shorter the term, probably lower the rate. But these low rates are for NEW vehicles only. They are factory incentives from the manufacturer or sometimes from the lending institution that are associated with the make.(GMAC, FMCC etc) . You can get good interest rates on a used car also, but not as low as a new car for the most part.

Answer 4

Well if you look around well and follow the sales you could quite possibly get anywhere from 0%-3% on a new car if you finance through the dealership. Decide what 2 or 3 cars you might like and then start to watch for their advertised specials. We also have a high credit score and have found some incredible deals on interest that make a new car cheaper than a used in the long run!

Just make sure when you are applying for the loan that you insist on them only sending out an application to the dealership and perhaps one other place such as your bank! We actually had a dealership tell us that our bank had refused to make us a loan because they wanted to finance us themselves! We almost walked out because we were like--we better go see our bank and see what's going on! They quickly said--let us send it again and see if it was just a mistake! The jerks.

Answer 5

The national average right now is like 620. Even with that credit score and someone did give you one, you're looking at a high interest rate, regardless of your past history with your car. Point is, you messed up and nothing will make it look good. They don't look at the good when there is bad, period. All they see is that big problem. It also depends on how much you make, opposed to how many bills you pay. If you have $3 at the end of every month because you pay so much, what makes you think they'll trust you to pay them back every month? Don't count on a loan unless it's a huuuuge scam.

Answer 6

I have a credit score of 785 and I am looking to buy a car, what interest rates should i get in Mo or KS?

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Answer 7

You should qualify for a 4.4% or 6.4% car loan from your neighborhood bank or credit union. I found the following KC area credit union at: http://www.kcareacu.com/

Get prequalified from a credit union and avoid the games the dealer plays. Good luck.

LOAN RATES
Effective January 3, 2007

Members must meet certain qualifications to receive lowest loan rate.

NEW & USED CARS (’07,’06,’05 Model Yrs)
100% Financing up to 48 months……….....4.40%, 6.40%,

Answer 8

You should be looking around 7-8% as long as it is a 05 or newer!

Answer 9

I don't know what rates are typical, but that score is phenomenal, so I would expect the lowest.