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GEN 2 (2017-2020) Ford F-150 Raptor Forums
Ford F-150 Raptor General Discussions [GEN 2]
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<blockquote data-quote="zmw" data-source="post: 1197135" data-attributes="member: 25026"><p>How is that showing off - anyone buying these trucks is spending between 50 and 70k or more with markup on a truck that isn't even a good work truck. I'm in the same boat - 75 months at 1.49%, I could afford to pay cash, but at that interest rate it's crazy to not use the bank's money. If you are buying a raptor and can just barely afford it that's more of a concern. Oh and I financed 100% minus some equity... I roll the equity into my new vehicles, but I never put cash down - except I'm OCD on payment amounts so sometimes I'll put a few hundred bucks down to get it to a round 10s value - paying 537 drives me nuts, so i'll buy it down to get to 530 <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite2" alt=";)" title="Wink ;)" loading="lazy" data-shortname=";)" /> - or whatever it is for the raptor, I think it's like 980.</p><p></p><p>Anything over 5% is murder on auto rates right now, on 72 months credit unions are between 1.4 and 1.9 or up to 3.9 on 84 months.</p><p></p><p>It has less to do with credit score than your relationship with your institution of lending. I run between a 750 and 780, but have bought 40 cars with them and regularly pay them off in 12-18 months - my wife, stay at home mom, has an 820 rating which I find hysterical, all I can think of is the credit agencies realize she's got a sugar daddy or is inherently wealthy because she reports 0 income.</p><p></p><p>All I know is I would never loan 75k to someone only to make 1.49%, and the penalty for moving that much money is far more than the 1.49% APR.</p></blockquote><p></p>
[QUOTE="zmw, post: 1197135, member: 25026"] How is that showing off - anyone buying these trucks is spending between 50 and 70k or more with markup on a truck that isn't even a good work truck. I'm in the same boat - 75 months at 1.49%, I could afford to pay cash, but at that interest rate it's crazy to not use the bank's money. If you are buying a raptor and can just barely afford it that's more of a concern. Oh and I financed 100% minus some equity... I roll the equity into my new vehicles, but I never put cash down - except I'm OCD on payment amounts so sometimes I'll put a few hundred bucks down to get it to a round 10s value - paying 537 drives me nuts, so i'll buy it down to get to 530 ;) - or whatever it is for the raptor, I think it's like 980. Anything over 5% is murder on auto rates right now, on 72 months credit unions are between 1.4 and 1.9 or up to 3.9 on 84 months. It has less to do with credit score than your relationship with your institution of lending. I run between a 750 and 780, but have bought 40 cars with them and regularly pay them off in 12-18 months - my wife, stay at home mom, has an 820 rating which I find hysterical, all I can think of is the credit agencies realize she's got a sugar daddy or is inherently wealthy because she reports 0 income. All I know is I would never loan 75k to someone only to make 1.49%, and the penalty for moving that much money is far more than the 1.49% APR. [/QUOTE]
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