g******t
发帖数: 11249 | 1 厂家直接给车贷？
还是买车前先去银行要个预授权（会影响信用么？） | l***x
发帖数: 684 | 2 you have to have a car you decided to buy.
dealer will ask for information to get a quote for you.
if it is your first time, there is a big chance that neither dealer nor
banks approve your loan. we had over 740 credit score but turned down by us
bank, coz we do not have combined credit history (car loan, mortgage,
student loan, etc).
so we went to a credit union, they only checked credit score and we are
approved. with kind of 40 usd membership fee (one time bill). 1.5 apr was
not perfect but better than 3 apr of us bank.
after we got the car and drove about a month, car maker sent us a mail said
they cannot approve us for financing. hell, i already closed this deal a
month ago. | g******t
发帖数: 11249 | 3 us bank是dealer给你们推荐的么？
us
said
【在 l***x 的大作中提到】
: you have to have a car you decided to buy.
: dealer will ask for information to get a quote for you.
: if it is your first time, there is a big chance that neither dealer nor
: banks approve your loan. we had over 740 credit score but turned down by us
: bank, coz we do not have combined credit history (car loan, mortgage,
: student loan, etc).
: so we went to a credit union, they only checked credit score and we are
: approved. with kind of 40 usd membership fee (one time bill). 1.5 apr was
: not perfect but better than 3 apr of us bank.
: after we got the car and drove about a month, car maker sent us a mail said
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