ds_anilb Posted January 4, 2013 Report Posted January 4, 2013 naaku 3.89% for 72 months $37.4K loan ki BOA vadu ichadu. credit union lo kanukkunte 4.99 for 60 months annadu so went for BOA. adi(BOA) dealer tho vella----idi 2012 thanksgiving ki na score 688. 5.5 yrs nundi vundi naaku ssn & BOA account 6 yrs
KOTC Posted January 4, 2013 Report Posted January 4, 2013 [quote name='Sastrygaru' timestamp='1357260091' post='1303050668'] nee credit history and score baane unte DCu better ee.. if any of your local credit unions are offering 2 % rates .. vallani approch avvu.. aithe there are good chances of also getting 0% apr with the dealer.. you can give a try [/quote] kani dealer gadi dagara poyi vadu score run chesi appudu score effect avtundi kadha bhayya andulo malli nenu DCU lo apply cheste valu takav este ela ani chustuna.edi apply cheydam better first DCU a local dealer or local credit union ?
Sastrygaru Posted January 4, 2013 Report Posted January 4, 2013 [quote name='KOTC' timestamp='1357260763' post='1303050757'] kani dealer gadi dagara poyi vadu score run chesi appudu score effect avtundi kadha bhayya andulo malli nenu DCU lo apply cheste valu takav este ela ani chustuna.edi apply cheydam better first DCU a local dealer or local credit union ? [/quote] local credit union vaademanna offers unte chuudu bhayya.. or else first DCu ke apply cheyyi.. lets see entha apr vosthundoo.. aithe DCU vaadu.. approve ayyindho leedho cheptaadu ante.. he will not mention entha Apr annadhi.. you shd call and ask them with your application number once it gets approved through call.. vaadu maree ekkuva chepthunnadu anipisthe.. nuvvu last konni years ga nee paycheks or transactions ee bank lo aithe chesthunnavoo.. vaadini kuuda aproach kaavochu.. he might give you a good deal.. if you are doubtfull abt your bank.. (for example valla ad lo valle sefthaaru.. or lones start as low as 3.99 0r 4.99 ani.. ante score and history baagunte vache vallaki kaavochu.. so antha kanna takkuva raadhemoo... this is my assumption.. ) so .. ivi workut kakapoothe.. local credit unions.. nee score kuuda suusko okasari.. before asking the dealer to pull credit.. for example naa case lo.. naa history baaledhu ani naak telusu.. even though I had a decent score.. so naak DCU nee 8% chepthe.. dealer gaadu inka konchem ekkuva cheppe chance undhi.. may be.. so I didnt approch the dealer.. even though its a new car ......and again.. this is an assumption.. it might differ from ppl to ppl.. inkokati entante.. holiday season ayyipooyindhi.. and deals taggipoothay ippudu.. so banks/credit unions approach avvadam better ani naa personal feeling..
Kishanbjp Posted January 4, 2013 Report Posted January 4, 2013 doubt gout jantha nahin koniparivesey ehaaaaaaaaaaaaaaaaaaaaa
MedhavinianukuneVedhava Posted January 4, 2013 Report Posted January 4, 2013 check pentagon federal credit union..they really give very less Apr.. 1.9%
Pakkinti_Pinni Posted January 4, 2013 Report Posted January 4, 2013 nenu DCU lo 30K ki apply chesthe...72 months with 2.5 APR, but only 25K ne istha annadu...na car tax tho kalipi 32 aithe nenu inka 7K down cheyaleka local credit union lo teesukunna...vaadu 5% ki ichadu.....na question entante...oka 1yr taravatha nenu refinance cheyocha with DCU, score paina emaina effect paduthunda???
KOTC Posted January 4, 2013 Report Posted January 4, 2013 [quote name='Sastrygaru' timestamp='1357261333' post='1303050820'] local credit union vaademanna offers unte chuudu bhayya.. or else first DCu ke apply cheyyi.. lets see entha apr vosthundoo.. aithe DCU vaadu.. approve ayyindho leedho cheptaadu ante.. he will not mention entha Apr annadhi.. you shd call and ask them with your application number once it gets approved through call.. vaadu maree ekkuva chepthunnadu anipisthe.. nuvvu last konni years ga nee paycheks or transactions ee bank lo aithe chesthunnavoo.. vaadini kuuda aproach kaavochu.. he might give you a good deal.. if you are doubtfull abt your bank.. (for example valla ad lo valle sefthaaru.. or lones start as low as 3.99 0r 4.99 ani.. ante score and history baagunte vache vallaki kaavochu.. so antha kanna takkuva raadhemoo... this is my assumption.. ) so .. ivi workut kakapoothe.. local credit unions.. nee score kuuda suusko okasari.. before asking the dealer to pull credit.. for example naa case lo.. naa history baaledhu ani naak telusu.. even though I had a decent score.. so naak DCU nee 8% chepthe.. dealer gaadu inka konchem ekkuva cheppe chance undhi.. may be.. so I didnt approch the dealer.. even though its a new car ......and again.. this is an assumption.. it might differ from ppl to ppl.. inkokati entante.. holiday season ayyipooyindhi.. and deals taggipoothay ippudu.. so banks/credit unions approach avvadam better ani naa personal feeling.. [/quote] DCU eni days lo cheptadu bhayya approve ayinda ledha ani,Nuv chepindi correct mundu DCU travtha local credit union apply chestha.car konadaniki intha loli endo.
ronitreddy Posted January 4, 2013 Report Posted January 4, 2013 [quote name='Sastrygaru' timestamp='1357257121' post='1303050508'] teercheyoochu.. kaani score effect padocchu.. why do you want to do that when banks are giving low APR'S.. apr calculators ni use cheyyi.. so if the car loan is 30K and the[b] interest is 2% youll end up paying 1500 more anthe.. daaniki why do you want to pay all in one year man..[/b] [size=4][color=#333333][font=Arial, Helvetica][b][background=rgb(238, 238, 238)]Loan payments:[/background][/b][/font][/color] [color=#333333][font=Arial, Helvetica][b][background=rgb(238, 238, 238)]$31,549.97[/background][/b][/font][/color] [color=#333333][font=Arial, Helvetica]Balloon payment at end:[/font][/color] [color=#333333][font=Arial, Helvetica]$0.00[/font][/color] [color=#333333][font=Arial, Helvetica][b][background=rgb(221, 255, 221)][b]Total payable[/b]:[/background][/b][/font][/color] [color=#333333][font=Arial, Helvetica][b][background=rgb(221, 255, 221)][b]$31,549.97[/b][/background][/b][/font][/color] [color=#333333][font=Arial, Helvetica]60 monthly payments of:[/font][/color] [color=#333333][font=Arial, Helvetica]$525.83[/font][/color] [color=#333333][font=Arial, Helvetica]Total interest:[/font][/color] [color=#333333][font=Arial, Helvetica]$1,549.97[/font][/color][/size] [/quote] +1
KOTC Posted January 18, 2013 Report Posted January 18, 2013 [quote name='Sastrygaru' timestamp='1357261333' post='1303050820'] local credit union vaademanna offers unte chuudu bhayya.. or else first DCu ke apply cheyyi.. lets see entha apr vosthundoo.. aithe DCU vaadu.. approve ayyindho leedho cheptaadu ante.. he will not mention entha Apr annadhi.. you shd call and ask them with your application number once it gets approved through call.. vaadu maree ekkuva chepthunnadu anipisthe.. nuvvu last konni years ga nee paycheks or transactions ee bank lo aithe chesthunnavoo.. vaadini kuuda aproach kaavochu.. he might give you a good deal.. if you are doubtfull abt your bank.. (for example valla ad lo valle sefthaaru.. or lones start as low as 3.99 0r 4.99 ani.. ante score and history baagunte vache vallaki kaavochu.. so antha kanna takkuva raadhemoo... this is my assumption.. ) so .. ivi workut kakapoothe.. local credit unions.. nee score kuuda suusko okasari.. before asking the dealer to pull credit.. for example naa case lo.. naa history baaledhu ani naak telusu.. even though I had a decent score.. so naak DCU nee 8% chepthe.. dealer gaadu inka konchem ekkuva cheppe chance undhi.. may be.. so I didnt approch the dealer.. even though its a new car ......and again.. this is an assumption.. it might differ from ppl to ppl.. inkokati entante.. holiday season ayyipooyindhi.. and deals taggipoothay ippudu.. so banks/credit unions approach avvadam better ani naa personal feeling.. [/quote] em ayindi bhayya tesukunava loan
ds_anilb Posted January 18, 2013 Report Posted January 18, 2013 [quote name='Pakkinti_Pinni' timestamp='1357263247' post='1303050968'] nenu DCU lo 30K ki apply chesthe...72 months with 2.5 APR, but only 25K ne istha annadu...na car tax tho kalipi 32 aithe nenu inka 7K down cheyaleka local credit union lo teesukunna...vaadu 5% ki ichadu.....na question entante...oka 1yr taravatha nenu refinance cheyocha with DCU, score paina emaina effect paduthunda??? [/quote] after 3-6 months monthly installments kattaka, u can refinance, deeni valla neeku APR thagguthundi, score meeda effect no idea
KOTC Posted January 18, 2013 Report Posted January 18, 2013 [quote name='Pakkinti_Pinni' timestamp='1357263247' post='1303050968'] nenu DCU lo 30K ki apply chesthe...72 months with 2.5 APR, but only 25K ne istha annadu...na car tax tho kalipi 32 aithe nenu inka 7K down cheyaleka local credit union lo teesukunna...vaadu 5% ki ichadu.....na question entante...oka 1yr taravatha nenu refinance cheyocha with DCU, score paina emaina effect paduthunda??? [/quote] evaru cheparu bhayya nijame ani naku teliyadhu ne credit score okasari run chesaka 2 weeks varaku malli run chesina em kadhu ani travtha run cheste hit padtundi ante koni points tagachu kani.Neku already bank loan inka credit card payments cheste pedda farak em padadhu.Oka 6-8 months agi malli DCU or local credit union lo apply cheyi.
Sastrygaru Posted January 18, 2013 Report Posted January 18, 2013 Evaruuu paatha gaayanni reepindhi.. [img]http://www.desigifs.com/sites/default/files/qyetcx.GIF?1290194459[/img]
KOTC Posted January 18, 2013 Report Posted January 18, 2013 [quote name='Sastrygaru' timestamp='1358532586' post='1303131866'] Evaruuu paatha gaayanni reepindhi.. [img]http://www.desigifs.com/sites/default/files/qyetcx.GIF?1290194459[/img] [/quote] haha em ayindi bhayya nene loan tesukunava ledha ani
Bairagi Posted January 18, 2013 Report Posted January 18, 2013 Inthaki DCU ante endo seppandi mee mohaalu manda
KOTC Posted January 18, 2013 Report Posted January 18, 2013 [quote name='Bairagi' timestamp='1358532851' post='1303131895'] Inthaki DCU ante endo seppandi mee mohaalu manda [/quote] Digital credit Union bank mama Massachusetts lo undi
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