What interest rate did you get on your RHO?

[RAM-RHO]

For those who have already received your RHO, what interest rate did you end up getting? Thanks.

 

[yuppie]

For those who have already received your RHO, what interest rate did you end up getting? Thanks.

5.x % through BofA, but I might just pay it off next year, depending on how Bitcoin does

 

[RAM-Ranch-MT]

im seeing 4.5 on navy fed so ill likely go that route, anyone proceed with a navy fed loan and what was your rate? i know it varies by credit score and other variables of course.

 

[RAM-RHO]

5.x % through BofA, but I might just pay it off next year, depending on how Bitcoin does

Thanks for sharing. BTC

 

[yuppie]

Thanks for sharing. BTC

Not financial advice.

 

[CajunRHO]

Kinda pointless to post rates without the loan length and credit score.

 

[yuppie]

Kinda pointless to post rates without the loan length and credit score.

48 months, haven't got the report back yet but I'm guessing around ~800ish

 

[AnthonyRI]

Kinda pointless to post rates without the loan length and credit score.

I would suggest that without getting to personal/granular, the ideal factors to post would be:


% of MSRP financed
Credit Range
Length of terms
lender

That's enough to not be invasive, but to correlate the most relevant factors

 

[TylerMA]

Planning on Navy Federal, currently 4.49% for 60 months

 

[Rmeads]

Bought yesterday 11-25-24. 5.49 for 72 months.

 

[Rmeads]

Bought yesterday 11-25-24. 5.49 for 72 months.

Financed $60k and credit score 805

 

[RAM-Ranch-MT]

Financed $60k and credit score 805

navy fed?

 

[Rmeads]

navy fed?

TD auto. Best rate I got in NC

 

[Rmeads]

TD auto. Best rate I got in NC

I will say be kind to your finance person. I chatted mine up a bit and my rate went from 5.69 on the sales floor to 5.49 with finance

 

[Dcchris311]

I financed today with Navy Fed at 4.8% for 72 months.

 

[MattH89]

I financed today with Navy Fed at 4.8% for 72 months.

Nice. I just opened a Navy fed account last night

 

[frogjbm]

I would suggest that without getting to personal/granular, the ideal factors to post would be:


% of MSRP financed
Credit Range
Length of terms
lender

That's enough to not be invasive, but to correlate the most relevant factors

@AnthonyRI are you guys getting comparable rates mid 4’s like Navy Federal for example? Assuming good credit, etc

 

[AnthonyRI]

@AnthonyRI are you guys getting comparable rates mid 4’s like Navy Federal for example? Assuming good credit, etc

National average according to edmunds is 6.6% for December.
I believe that Navy Fed was at 4.7~ last someone told me.
Plenty of action between those two.

EDIT: The main point here - there is NOT anything good standardized or promotional from the traditional captive lenders (Chrysler Capital and Stellantis Financial) on the RHO. Even when there is, those are not usually the BEST deal becuase if the rates are subvented, they usually come at the expense of not taking the cash rebates (see Laramie $6500 cash OR promo rate). We do 300+ deals per month outside of CCAP/SFS so we would take a credit app, submit it to a few of our top lenders, and go on from there. You take the best overall scenario for YOUR specific case, either way.