Cost of Chrysler financing

Anyone know what APR, points and fees Chrysler financing is charging
these days?

Looking at buying an $11,000 2005 PT Cruiser (stick, *no* accessories)
with $4,000 down. Costco is offering 3.25% and up with zero points and
fees, which seems pretty good.

For reference, I am willing to ignore pressure from the sales droids
and other assorted ripoff specialists for useless trivia like
'undercoating'.

However, Chrysler is giving an extra $1,000 for financing through
them. Reducing the financed amount to $6,000 cuts the payments and the
net cost of the loan nicely, even if they have a higher rate....

but, what rates is Chrysler charging, what fees and points do they
tack on?

 

Check the ads in your local Sunday newspaper or www.chrysler.com



"John Bartley I solved my XP problems w/ Service Pack Linux"

 

I did. Paper doesn't have, even in the fine print. Website requires IE
(security risk).

Again, I ask: What rates have folks recently found?

 

A lot of times the rate is determined by your credit rating.....

 

Zero percent if you qualify.

 

But even zero percent financing "costs": it costs you the rebate that
you would get if you paid cash.

Perce

 

0.0% for 36 Months
1.9% for 48
2.9% for 60

All valid until 11-30. Better hurry!

 

Points and fees?

 

And your tin-foil hat needs replacing too!

 

Ah, that's an intelligent response. Any time someone presents an
unpopular opinion, no matter how absolutely, unimpeachably valid, accuse
them of being paranoid and the problem will go away.

nate

 

More intelligent than blaming IE every time someone gets a virus or spyware.
IE is only a risk if you let it become one.
And no I am not an IE fan , but do use it regularly on several of my Windows
boxes and in all the years I have been on the internet I can count my
Trojans/viruses on one finger.

Back to our regularly scheduled topic.....

 

Actually, it costs you a hell of a lot more than that.

If you save up the $11,000 over 3 years (which you should be able to
to do if a credit report on you claims you can support an $11,000
car financed over 3 years) then not only do you get the 'rebate'
but you get all the interest income you have earned on that money
while it was sitting in the bank.

But, I forgot, it's no longer fashionable to spend within your means.
Our Great Leader what we just reelected showed us that with
the deficit exploder I mean tax cut, so it must be true.

Ted

 

You can always return your tax cut.

 

Oh, Ted, I'm so sorry you don't like your tax cut. Feel free to send it
back in to Washington. Better yet, send your share to me. I'll make my
Paypal account available upon request!

--Geoff

 

It's the leader he would like to return.

 

You should send it to your local FOP lodge, as a donation, in
recompense for your hatred of cops.


God Bless,
Dan'L

("If I'm going to reach out to the the Democrats then I need a third
hand.There's no way I'm letting go of my wallet or my gun while they're
around.")

 

True, but with 0% you can also save the money you would have spent on
interest while you're making your payments. Whether or not that adds up
to the rebate...? Also don't forget the opportunity cost of having a
new car now, not three years from now. For someone with a dying old
clunker who can afford the 0% payments and still live within his/her
means but doesn't have enough $$ on hand to pay cash, that's an
excellent deal.

Well, yeah, I have some issues with Bush's financial policy, but that's
a different issue...

nate

 

For someone who knows nothing about computers (the vast majority of
users,) IE is dangerous IMHO. and that's my last word on the subject...

nate

 

The local cops already wrote me enough tickets to more than make up for it.

Hmm - now maybe I just hit on something, so THAT is the secret way that
the Bush administration is funding the local governments.

I get it now. Cut federal taxes, then cut payments to the local governments
as a result they go run up the local extraction fees (property taxes, fines,
etc.) and the result is your tax burden is unchanged but now you have just
added
a whole bunch of extra cops to the local police who do nothing other than
write speeding tickets to keep the local coffers full.

So THAT is how they are getting away with claiming to have put 10,000 more
policeman on the streets. Too bad they don't seem to have any impact on
the property crime, violent crime, and murder rates. Too busy extracting
that
tax cut I guess.

Ted

 

I'll tell you what I have a better idea. How about actually cutting
spending so
that the tax cut is paid for?

You conservatives love to talk the talk about how much money your
saving us with these tax cuts. Too bad you wuss out when it comes to
actually cutting spending.

Since your in control of congress now I feel bad for you, you don't have
the excuse anymore that it's the liberals fault that you can't cut spending.
I eagerly await the spending cuts over the next 4 years that are going to
balance
the budget. Let's see if you don't puss out the next 4 years again.

Ted