I know Sam at SCM was advertising tier 1 and 2 before but my local dealer
says that only 730+ can recieve 0 percent now.

Anyone who qualified for 0% willing to share their score?

 

I had about 790 for my 0% down. I didn't have issues getting 0% for 60m.

 

700 + fico. also make sure your debt to income ratio isnt high, make sure you dont have 2-3 auto loans open with an income of $2000 a month, never delinquent, and of course having solid good standing through out the years will reward you with the 0%

 

if they are offering tier 1 and 2 possibly the minimum fico to qualify would be 680 + as considered tier 2

 

My Ficos straight from myfico.com are 718 740 755. Do you know if mitsu pulls EQ EX or TU?

 

online fico are different from auto fico's guaranteed. i had a customer give me the run around today about his fico being 789 experian and after we came to agreement we ran his credit and it was 678 on experian.

to answer your question, experian is the main one auto deals use to get deals approved. most lenders dont look very much at other ficos

 

Yeah the auto enhanced are different but usually if there is no auto credit to begin with they are the same. Lots of info on myfico.com. He might have pulled a fako or just made it up. =]

Either way thanks for the help veil and hopefully others can chime in too.

 

Over 700.

 

850

 

Often auto dealers and financial institutions use a mean score... so if one shows a 700 and another shows 720, you'll end up being a 710.

 

my score was 810 but since I've never bought anything that pricey and i'd only been at my job for four months I had to get a co-sign.

 

Low 700's. I have had 7 car loans that have all been current.

 

I got mine in 05 but back then I had a 720 and they offered me 36 months 0% then 24 months at 4%, so my mom decided to be nice and co-sign she had a 740 and qualified for the full 60 months 0%.

 

After Mitsu posted a decline in sales for the month of May?! hmmmm


this.

then you may have a 700+ score

NMAC (Nissan) relied on Transunion when my sis got her Rogue last month.

Oh yeah, let's not forget our DTI.

 

My dealer told me 730+ also for the 0%. They also told me TU gives scores higher than the others. I didn't know what my score was before going into the dealer. The told me mine came back a little higher than 770 and they gave me the 0%.