I got 2 different rates from 2 different dealers from the same lender. First, I said I’d put 2500 down and got a lower rate than second where I said I’d put 1500 down. Whose playing games with me?
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Of course down payment affects the rate since you are borrowing less.
So does credit score, job history and a clean driving license.
Something’s not quite right about that. The rates should be the same (though the payments themselves would be different due to the difference in the loan amount). Double-check everything.
The more the down payment is the less you are financing for.
Example item cost 5000.00 you put 2500 = amt borrowed 2500
item cost 5000.00 you put 1500= amt borrowed 3500
The amount of your down payment does affect the interest rate. Pay the $2500 down (or more) if you want a lower interest rate!
Get yourself a financial education. Since you are completely clueless as to what is honest, legit & standard operating procedure vs what is not, you are exactly the sap any con artist is looking for. Either go to the library and start doing your homework, or prepare to meet your financial doom.
Good day,
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