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      09-04-2008, 09:11 AM   #1
ulrichd
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Damn, PenFed raised to 4.75%.

Just noticed this am. My car is 4-5 weeks away, I'll have to call to see how early I can lock in.
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      09-04-2008, 09:27 AM   #2
AchtungF80
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Holy crap am I glad I locked in at 4.5% a month ago!
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      09-04-2008, 10:14 PM   #3
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Over 60 months that extra 0.25% will only make about a $3-$5 increase in your monthly payments.
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      09-05-2008, 07:36 AM   #4
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Yeah but its an extra $300 I don't have to spend! :biggrin:
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      09-05-2008, 10:51 AM   #5
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Quote:
Originally Posted by AchtungE30 View Post
Holy crap am I glad I locked in at 4.5% a month ago!
Are you sure you are locked in?

Reason I ask is because I was unaware there was a way to lock in a specific rate while the car is being built. I secured my pre-approval loan check from Penfed in June when the rate was at 4.25%, but because the check was not exercised until July, I got hit with the 4.5% rate.

I called and asked about it afterwards and they said it was correct - my rate was 4.5% since that was the rate when I exercised the loan...
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      09-05-2008, 06:12 PM   #6
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Would you like some cheese with your whine?
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      09-05-2008, 06:21 PM   #7
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Quote:
Originally Posted by thurst0509 View Post
Are you sure you are locked in?

Reason I ask is because I was unaware there was a way to lock in a specific rate while the car is being built. I secured my pre-approval loan check from Penfed in June when the rate was at 4.25%, but because the check was not exercised until July, I got hit with the 4.5% rate.

I called and asked about it afterwards and they said it was correct - my rate was 4.5% since that was the rate when I exercised the loan...
Wrong choice of words, my check was disbursed during the 4.5% term. The car was paid for over a week ago.
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      09-06-2008, 09:59 AM   #8
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Quote:
Originally Posted by AchtungE30 View Post
Wrong choice of words, my check was disbursed during the 4.5% term. The car was paid for over a week ago.
:w00t:

Good to hear. I just didn't want you to end up surprised like I was if your rate came in higher than expected.

You sure paid for your car awfully early for a September 15 ED though! I didn't pay for my car until about three days before I left.
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