At 2.9 you could have put that 30k in an investment and came out ahead.

 

I got 4.8 through Infiniti.

 

im 25, got first real job a yr ago....got 2.9 for 36months from cu, fico score 719

 

Exactly. "haha i have no payments, but I'm really spending more then you"

I can purchase outright too, but why would I when you can get 0.9-2.9%?

 

I have an aversion to monthly payments, probably rubbed off from my parents who were raised during the depression. The best rates available around here when I purchased was 3.5-4% (dealer had promo rates on the G35 sedan, but not the coupe). To net that cost after tax, I would have to earn 6.5-7% on any investment. I can do that today, but it takes time and there are other things I'd rather do.

 

3.9% SoCal, bought in Sep '04, 60 months Credit Union, 795 fico score, still aiming for 850 perfect score...

 

[2.9% 4 years] Dayton Ohio Dealer through INFINITI Aug 2003 on a 2004 coupe.

 

3.5% for 60 months with no deposit

 

4.8

 

paid cash.

 

Your score is over 800.........................YOU ARE THE MAN!!! I thought that was near impossible?

I got 3.9% through a Credit Union for 60 months, my credit is 700+.

 

2.9 at mission viejo 60 months

 

Can you provide more info about this transaction? I'm on the verge of a purchase and don't seem to be able to get better than 4.89% on a 2005 Coupe with well above a 700 credit score.

 

2.9% over 60 months. They offered 1.9% over 36 months but I couldn't afford that payment.

 

Yeah, I've never really proactively TRIED to have good credit, but somehow I've had a Beacon score of 820'ish for several years now. I never carry a balance on a credit card, and always pay the bills. That's about it.