We are looking at buying a new vehicle from Kia. Does anyone have any experience with their financing?
We won't be applying until Feb (so we can use our tax refund as a good size down payment). But we want to be well informed and do our research before going to the dealership.
Sept will be 2 years out of our Ch 7 and our credit has been clean since. (I had my ID stolen & have one collection on acct, but it will be fixed soon & off my reports, before we apply)
We have applied & been approved for 2 auto loans (both around $10k) and both have been paid off, never late etc) We have used credit cards (very wisely, used very little & paid off twice a month) to rebuild our credit up.
Currently our scores average 675 for both hubby and myself. I just pulled hubby's from Smart Credit to include his "auto score" and it comes up as a 607, way below our "normal" scores (haven't pulled mine yet). I'm confused by this.
Of course the dealership I test drove at swears we can get great financing (HA!) but I thought I would see if anyone has real world experience with them
Does anyone have any ideas what we can expect? We are looking at the 2011 Sorento.
Thanks!
We won't be applying until Feb (so we can use our tax refund as a good size down payment). But we want to be well informed and do our research before going to the dealership.
Sept will be 2 years out of our Ch 7 and our credit has been clean since. (I had my ID stolen & have one collection on acct, but it will be fixed soon & off my reports, before we apply)
We have applied & been approved for 2 auto loans (both around $10k) and both have been paid off, never late etc) We have used credit cards (very wisely, used very little & paid off twice a month) to rebuild our credit up.
Currently our scores average 675 for both hubby and myself. I just pulled hubby's from Smart Credit to include his "auto score" and it comes up as a 607, way below our "normal" scores (haven't pulled mine yet). I'm confused by this.
Of course the dealership I test drove at swears we can get great financing (HA!) but I thought I would see if anyone has real world experience with them
Does anyone have any ideas what we can expect? We are looking at the 2011 Sorento.
Thanks!
Discharged Ch 7 9/10/08
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