dealer financing rate

[canadian titan]

maybe a dumb question: on the nissan website, they have a 6% financing rate. is that a rate that the dealer is stuck with by nissan, or is it negotiable? anyone get less than that from their dealer?

[PolarisTitan]

are you talking about the rate on the finance calculator? if you are that is just a randon rate that they put there. Yes people have gotten lower, alot lower like 1%. Your interest rate is determined by your credit history, and all interest rates are negotiable providing you dont get a promotional rate like 1%. Never ever take what rate they give you at the baragining table, always negotiate it with the finance manager when you are signing the paperwork, always.

[CaptainBay 3000]

You should be able to get 4.5% to 5.0% without any incentives (unless your credit is bad). I've seen the incentives on the '04 Titans as low as 1.0% Just like Polaris said, negotiate it with the finance manager. Usually (not always) they will try to get you to finance with one of their buddies first, who may have a higher rate.

[TYTAIN]

Another thing shop your rates with local credit unions, I usually get a better rate with them if you have good credit. That way you get good finance rate and keep your rebates. Hope to hear about a new Titan soon, keep us informed! Good luck!!!!!!!!!!!!!!!

[CyBwRBill]

Originally Posted by TYTAIN

Another thing shop your rates with local credit unions, I usually get a better rate with them if you have good credit. That way you get good finance rate and keep your rebates. Hope to hear about a new Titan soon, keep us informed! Good luck!!!!!!!!!!!!!!!

I was able to get 4% plus rebate of 1500

[WazzuCoug]

They started my rate at around 18.5% (trying to screw me for everything they could get). Remember you are the one in charge- I got mine down to 2% after a couple of back and forth sessions. Dont be afraid to get up and leave!