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Don’t apply yet. The approval is good for 90 days and the rate is only good for 30 days. I just set ”buy in cash” option in my profile then got my SA to switch it to the financing option closer to delivery.Did you all apply for financing when ordering the car? I was under the impression that the approval and the rate is only good for 90 days yet the delivery for the car is around 6 months right now.
How does this work?
Did you all apply for financing when ordering the car? I was under the impression that the approval and the rate is only good for 90 days yet the delivery for the car is around 6 months right now.
How does this work?
Interesting. I was offered 2.85 with BMO for 96 months with more down.Taking delivery today Oct 23rd of an MY LR from oakville sc.
Got 2.75 at BMO for 96 months with 6k down.
I could still opt for 2.35 at 72 months. Hmmm
Interesting. I was offered 2.85 with BMO for 96 months with more down.
Hmm, I’ll give me SA a shout. I can definitely show more asset data if they will allow me.Same. Initially they wanted 15k down. Told them to go fly a kite lol. (Basically resubmitted from tesla at oakville live with notes from the sales guy stating our savings in rrsp, TfSA, and equities. Basically showing them more strength and they came back with 6.1k. Could have argued it more but gives a payment of $900 even tax in. Works. 55k CCA in year one is a beautiful thing
The 2.35 is normally take but probably easier to just buy this open loan out at 1.3% on a heloc equity line.
Same. Initially they wanted 15k down. Told them to go fly a kite lol. (Basically resubmitted from tesla at oakville live with notes from the sales guy stating our savings in rrsp, TfSA, and equities. Basically showing them more strength and they came back with 6.1k. Could have argued it more but gives a payment of $900 even tax in. Works. 55k CCA in year one is a beautiful thing
The 2.35 is normally take but probably easier to just buy this open loan out at 1.3% on a heloc equity line.
Spoke to my SA about the rate I was offered vs others and she went back to do some digging. She got my financing switched from BMO @ 2.85% to Scotia @ 2.80%. Not a huge change but every $ counts.Hmm, I’ll give me SA a shout. I can definitely show more asset data if they will allow me.
Yes. Tell them you want to goto rbc or bmojust applied and got 3.1% approved for 96 months with Scotia. Anyway to get lower rate?
thanks, just asked SA asked that.Yes. Tell them you want to goto rbc or bmo
Better rate?thanks, just asked SA asked that.
I got approved today at 6pm
He just got back to me and said this is the November rate. 3.15% for 96 months loanBetter rate?
Did you have a downpayment? I got 2.85% from RBC (through Tesla) a few days ago over 96 months with a $13k downpayment but as Bratt said the rates might be going up as all the news sites are saying and everywhere is threatening to do.He just got back to me and said this is the November rate. 3.15% for 96 months loan