Hi everyone!

I am new here.

I currently have an 05 toyota solara convertible fully loaded. I am so over the convertible thing and ready to get into a sleek fast car

Anyways I am going to trade that in, I bought it at $25k financed. After a year my loan is at $21k. It's got about 40,000 miles on it.

I would like an 05 or 06 G35, just leather and navigation only.

My credit score is 638 but I recently paid off all my credit cards. Even my $15k card I used to buy my sports bike.

I have a good job.

what are my chances of getting a good rate? I live in atlanta, GA

First off get a statement from all the paidoff creditors as proof that you paid off your loan. That way when you trade in your 1 yr old Solara you have something to back up your credit. Plan on having a big downpayment to offset the loan you have on your car right now. You might be better off getting an 07 G instead of something use. Banks are more willing to give you a loan on a new car than on an old one. Goodluck I hope you get what you want.

638 is good enough to get financing, but probably not a great rate from Infiniti. Find out what you can get from infiniti, and compare it to www.leasecompare.com

It is like moneytree ("when banks compete, you win")

You may get a better rate from them. If so, you buy the car outright from the dealer with a bank check, and remit your payments to the holder of your note.

Thanks that is exactly what I did with my Solara. I was approved for a loan for $40k but I didnt want that much at the rate I am getting. I really want a rate at 5% But it looks like I might wait a few months to come up with at least a 10k down payment so I would only finance about 20k, I am realy hoping to get the 2007 G35 in black

Shop around some places give you excellent rates. Most places will give you an even better rate than dealer finance.