Credit Repair

Is 693 A Good Credit Score – How To Get The Best Interest Rate When You Buy A Car (new and used) FORMER DEALER


Is 693 A Good Credit Score – Whats The Best?

Is it possible to make your bank and your dealer compete for better finance rates? Kimberly opens up the door to these beneficial tips to save you money and get a better rate!

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Your Auto Advocate:

0:00 Introduction
1:00 Interest rates and buying a car
4:30 How to get the best interest rate new cars
7:20 How to get the best interest rate on a used car
11:00 Take cash rebates instead of financing incentives
12:35 CPO cars have special rates

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  1. Beau Franke
    July 29, 2021 at 9:59 am

    The dealer I went to try to charge me 21% APR

  2. Metal Theory
    July 29, 2021 at 9:59 am

    Wow credit unions are snakes

  3. Rene D
    July 29, 2021 at 9:59 am

    What annoys me… someone saying my name after every sentence…. I lose all respect to those that do that to me.

  4. uli t
    July 29, 2021 at 9:59 am

    Would you need to take proof of what interest rate your credit union approved you at? Or you just tell the salesman and hope they trust you? Lol thank you

  5. Rinde R show
    July 29, 2021 at 9:59 am

    I noticed these guys barely answer questions !! Smh

  6. Pat B
    July 29, 2021 at 9:59 am

    You said it perfectly, I'm not sure how or why she was confused.

  7. Dekiary Carter
    July 29, 2021 at 9:59 am

    I never heard of a lobby rate, thanks for sharing this!!

  8. Greg Bronson
    July 29, 2021 at 9:59 am

    I signed papers for a new car at 4.9% at 84 months before I shopped around. if I can get my credit union to get a lower rate will the dealer rewrite my loan or am I locked into that rate?

  9. Boat Lover
    July 29, 2021 at 9:59 am

    Your web site sounds great will recommend it to friends. Now, am I a dumb dumb. My go to car purchase method, I like Honda, has been to buy at the end of a model year to get, hopefully a discount at .9 or 1.9 percent for 32 months. I understand, I'm giving up a year of value down the road but usually take care of my car and keep it an average of 8 years so think that is minimal? Also don't put a ton of miles on a car. I also usually wait until the second year of a new generation so they can get the kinks out.

  10. Chris Gickler
    July 29, 2021 at 9:59 am

    What do you guys think of refinancing you car to get a better rate after the sale?

  11. irwin vasquez
    July 29, 2021 at 9:59 am

    Hi my name is irwin Vásquez , this is a great video. However; some things have not been cover. I like to show few tricks that ppl can use when buying a car. I like to partner with you for the next video and answer few other cuestión you might have. For example she mentioned paying cash is the best idea? WRONG! And I can explain in less then 5 min. YES PAYING CASH IS NOT THE BEST WAY!. If you like to know? Why?! I am a message away.

  12. Alex Sami
    July 29, 2021 at 9:59 am

    Thank you sharing all this. I am very grateful and found you at just the right time. I'm a first time car buyer with a fico of 620. I am looking to buy used 2018 Mazda 3 sport GT hatchback from a local Mazda dealer. They just started to look for financing for me as of yesterday I haven't heard back yet. I also applied with a local credit union for a personal loan for the car purchase. Don't have any rates yet. I can't stop but to going back to their new car offers. The used 2018 is so far $19995 + tax. The new 2020 Mazda 3 GX hatchback is on sale for & 20858 plus tax and licensing. With an of 3. 99% APR for 96 months and 2265 down. I wonder if this would be cheaper than what I am going to get offered on the 2018. I have $0 to put down. And can don't want to be stuck with subprime rate for more than 4-5 years what are your thoughts? Much appreciated. Thanks

  13. Just think
    July 29, 2021 at 9:59 am

    the blond lady is soooo much better spoken than these two clowns.

  14. Mike Dean
    July 29, 2021 at 9:59 am

    My credit union prefers direct-lending solutions when it comes to auto loans so that we maintain the extremely high level of service and personal touch. No amount of business is worth the reputation risk a dealer brings to the lending process. Just as vehicles are depreciating assets, so too are the relationships within the F&I office at the dealership.

  15. Remote Access
    July 29, 2021 at 9:59 am

    when the ad says 16$ for 1000 borrowed and 0% apr. what does that mean? add 16$ to every 1000? so if its a 10,000 finance, add 160$?

  16. Steve Mcc
    July 29, 2021 at 9:59 am

    My credit union beat the dealer and the credit union rep told me they will always beat the dealer when the buyer is a member in good standing and good credit.

  17. jvolstad
    July 29, 2021 at 9:59 am

    My interest rate? 0%. I paid cash in full.

  18. spaceytrill
    July 29, 2021 at 9:59 am

    My boy ray was maccing on the low lol Ight player I see you

  19. Sheila Pendley
    July 29, 2021 at 9:59 am

    Thank You!

  20. Cman
    July 29, 2021 at 9:59 am

    Should I try to get a PRE Approved car loan from my local bank instead of financing thru the dealership for the new or used car that I want?..

  21. elito2
    July 29, 2021 at 9:59 am

    Great vid guys but im here just for kimberly. ☺

  22. mary ramos
    July 29, 2021 at 9:59 am

    How do I avoid all the credit checks so my credit doesn’t take a hit? I’m trying to buy myself a cpo within the next few weeks. Thank you

  23. Aries Girl
    July 29, 2021 at 9:59 am

    I'm afraid to ask the dealership if they have a lower rate bc i don't want them to try and trick me with something added to the lower interest rate they offer that I may not catch. If the dealer can beat the rate, what are some things to ask them before going with their offer and how would I do the math that quick? I want to finance a 13,995 for a 2017Toyota Camry with 46k miles. I also want to talk them down on that price too. My score is 745. Any good advice?

  24. The Allens
    July 29, 2021 at 9:59 am

    You mentioned Mini- what is that?

  25. Love Capitalism No socialism
    July 29, 2021 at 9:59 am

    Incentives and rebates please

  26. bob wallace
    July 29, 2021 at 9:59 am

    Reality, your rate is totally dependent on your credit score. People in bad health pay more for health insurance, People with bad driving records pay more for their auto coverage. So people that have weak or bad credit will pay more for their financing of anything. They worked hard to ignore those bills when due.

  27. Buckle Up, Lets go!
    July 29, 2021 at 9:59 am

    @Kimberly Kline From personal experience once I asked the dealer to beat a great rate I was provided by a credit union. They shotgunned the request to multiple banks and I had 7 hard inquiries on my credit for 2 years. How to protect against that?

  28. Maggie Burnham
    July 29, 2021 at 9:59 am

    An amazing resource for all things finance is there are several different calculators and you can input the numbers to see what you can or can’t afford

  29. shumpie41
    July 29, 2021 at 9:59 am

    I use my credit union. My reason are this:
    1) having it at my bank makes it super easy to pay more on loan and payoff quicker ( 5 years loans , I payed off in 2 & 2.5 years on last two)
    2) My credit union help out locally it non profit ( per say) and money stays local
    3) I only have one transaction to look over and getting screwed in theF&I office ( call me Nancy Reagan,I just say no to everything)
    It war and hearing them cry, mission accomplished!

  30. K Kr
    July 29, 2021 at 9:59 am

    Is any good? It is popping up as an ad today and I thought you might let us know if it is a smart way to go or not. It seems like it is another way individuals are trying to beat the big guys/gals.

  31. 11 B
    July 29, 2021 at 9:59 am

    8 dealership finance managers hit the dislike button and left

  32. Ruth Vork
    July 29, 2021 at 9:59 am

    I have a question for Kimberly. Which credit reporting agency do car dealers use? All 3 scores are different as much as 20 points.

  33. retiredgal
    July 29, 2021 at 9:59 am

    what's with the replies from Your Auto Advocate? Have you been hacked? Here's the example…"Your Auto Advocate

    1 day ago

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  34. Doug F
    July 29, 2021 at 9:59 am

    Had the dealer say that I would only get the deal I was going to get with going with a bank they were to get me financing from. How much is the typical / average / median "FLAT" that a dealer makes by having a loan written?

  35. Daniel Ponder
    July 29, 2021 at 9:59 am

    I really like your videos, and adding Kim has been great! Having written auto loans and obtained them, I've also learned if you can do extra on a car payment you can "make your own rate"; when you pay off the loan early by putting 50 or 100 bucks extra every month the actualized rate can drop .5% and save 6-12 months on a loan

  36. Stan Smith
    July 29, 2021 at 9:59 am

    Don't worry Zack, Big Dog Daddy Ray saved the day! Be patient and learn and one day you will be the Big Dog Daddy! Ya'll doing a great job!!!

  37. Dax
    July 29, 2021 at 9:59 am

    Also an addition,
    How would consumer know if the interest rate quote by dealer is not a mark – up rate vs the flat rate?
    What would be the range or signs we need to look out?


  38. Dax
    July 29, 2021 at 9:59 am

    A great video , a great help with all the information. Ms F&I lady Maybe you can you can also enlightened us about credit checks. So if a consumer go and get financing pre aproval and the dealership oulks another to check if they beat it . Wouldnt that lower credit score oe put a marker on credit thanks

  39. Kirk Dunn
    July 29, 2021 at 9:59 am

    Also factor in most peoples credit score varies 50-75pts depending on which scoring model is used between 3 different bureaus.. (usually an auto score but there are quite a few scoring models)…..

    If top tier won't matter much (its possible though) but for peeps in 600-740 range it can matter significantly

    I searched out a credit union that uses my highest scoring model and bureau to get the lowest interest loan…..

    For example I had 742 score for this CU….had I went with other lenders they could have pulled a 670 score from another bureau and or scoring model which would have increased my rate considerably