by the dealer's finance guy who said that is the best rate among Infiniti, Valley Nat'l Bank and some other bank. I was expecting a better rate. I have about 2 months before the car will come in so I have time. I want to finance 25K for 5 yrs but not at 5.9%. I am gonna check my wife's credit union for their rate. What are the current rates out there? I live in NJ if that makes any difference.

I got 3.99 on my 05 from Wachovia. 63mo. Our local credit union is 4.75%. This is in NC.

Kevin

if you go for the 04 model, they'll probably give you a better rate. 05 models - they are not ready to give out good deals.

1.9 (4 years)
2.9 (5 years)

On all 04 Sedans.

I presume that you have over a 700 score (Trans Union), and that you're still talking about an 05' (per your previous posts) That's way high if you meet the score criteria (700+).I thought you were gonna shop around?.....one of these days...lol JBX

go check out places like capitalone.com and bankrate.com might be able to get better rates onlines.

They're terrible with their excessive paperwork stipulations, and not such hot rates. Chase isn't bad, or either is IFS.....both are sub 5%..........IF you're good. (score wise)

Rates went up first of the year. I was able to get 4.6% on January 3rd for a 2005 through USAA (they have a rate match program). That would have been a lot easier in December but took a decent amount of effort. I have 700+ credit scores.

So, if you are asking others make sure you ask them when they got their rate as well as whether it was an 04 or 05.

When we bought a house last yr our credit score was between 780 and 800. I am buying an 05. Thanks for the responses so far.

I financed my 04 with Chase, 3.99 for 60 months.

I bought my 04 G35x premium/nav on Jan 1 05 with 2.9% for 5 years with a 800 credit score. The interest rate and the $3,800 off sitcker price sealed the deal for me on getting an 04 rather than an 05. I was looked for used 04s with low mileage and found that the cars with the options I wanted were around 31-33k so financing a used car would have cost me more than buying a new 04.

"I was looked for used 04s with low mileage and found that the cars with the options I wanted were around 31-33k so financing a used car would have cost me more than buying a new 04."

This happened to me as well.

The deals on the 04 sedans are too good to pass up at this point.

However, I do worry that if they keep the financing/3500 rebates around that it will hurt the resale value of our cars.

4.44% for 4 years from Infiniti

4% for 5 years for my 2003.5 G35 Sedan
4.1% for 5 years on my 2004 350z Roadster

Infiniti dealership told me at first the best they could do is 6% (Thats with a score of 780 on my credit), then i said I couldnt buy the car unless it was 4%... they came back 10 mins later and said ok 4%

Remember they sale the loan to the various banks, the higher the loan the more $$$ they get from the bank.... So of course they going to try and get it as high as possible... stick to your guns... I personaly wouldn't except anything over 4.5%

I didnt read through all the posts, but try lendingtree.com they seem to be good, I had real bad history about 4 years back, still hurting but anyhow i am about 650 and i got a 5.44% from citifinancial for 25000 loan for 5 years and i know if I was like everyone else 700+ I would have got about 4% or something, credit unions always give less if you have good scores..