I had a question.. im looking for a 2012 evo x and truecar quoted me.. $36,625 with SS and Navi with 3.9% APR.. in people's experience does the APR normally tend to go up or down for the month of feb for 60 months?

Thanks!

 

nobody has an answer?

 

I don't see a reason, why would the APR go up/down just for the month of FEB ? If you purchased the vehicle, and agreed on a fixed APR. Unless you were late on a payment and they rocketed your APR lol .

 

February is only 15 days away. Just go down to bank/credit union and fill out the app. They will usually lock you into a rate and hold the offer for a little while as the rate is based on your application date, not the date you purchase the car.

 

Even if it does go up and down in the month of Feb the few decimal points you see it fluctuate isn't going be mind blowing for a 37k loan over a 60 month term. So if you're trying to wait to see if it goes any lower to say 3.9 to 3.5 to get a your monthly payment lower to save a few dollars a month ain't worth it in my opinion (talking like saving 5-6 bux). The same goes if you're worried about it going up as well. Then again getting approved on an advertised low APR is all dependent on your credit and what a bank decides they want to give you.