BigRed4x4
Senior Member
- Joined
- Apr 24, 2015
- Posts
- 590
- Reaction score
- 235
- Location
- Mid Michigan
- Ram Year
- 2014
- Engine
- Hemi 5.7
Yeah I did not have the early payment penalty clause in my finance deal and my credit score was high enough that the credit union where I've financed other loans through gave me the lowest rate they offered.If you traded in a car there is a perfect timing where the car u traded in will show as paid off and the new car does not show up in your credit yet, if u refi at that time u will get the beat rate, sometimes when u finance thru dealership there is a clause where u cannot payoff till after 90 days, i think its called early payment penalty
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It did not matter to me what the interest rate the finance dept at the dealership gave me but based on my credit score it was a little insulting. Lol My credit union beat them by quite a bit.