joshds

Hi folks,

Those of you who got financed for their S5 or RS5s, what was the best APR rate you were able to get for 3/4/5 year financing? My dealer once mentioned either 2.9% or 3.9%, but I just wanted to see what others are getting, so that I can negotiate accordingly..

S_booba

Hi,

The rate for the RS5 is 4,9 and 3,9 with the loyalty program, for the S5 is 3,9 I think.

mmukalian

I'm currently searching rates as my car's due in about 2 months. So far I've found numbers that range from 2.99 to 3.99, depending on length of term and credit score. I found a FCU that has 1.9 as well, so going to see what that's about. If you can, check out your local federal credit unions as they have good rates.

ayap

My S5 was 2.90% for 60 months and 3.375% for 72 months.

My credit union just released new rates at 1.99% for up to 63 months.

lmariorod

2% to 3.5% is typical at your CU, depending on term. With no fees and usually top notch customer service.

Dealerships cannot beat those rates or not worth their time trying.

Have it in hand and you'll be in control. S5 and RS5 are not inexpensive as you already know. It'll save you a nice piece of change.

Longwolf (Christian)

Those rates are high, for my S5 I am seeing 4YR: 2.25%-2.49%, 5YR: 3.19%-2.49% with credit unions. USAA and Florida Credit Union.

My advice is never to get financing from the dealer unless they are offering 0% or at least a quarter point less than what credit unions are offering. You are always better off going with a credit union. Better rates, better customer service, and none of the BS fees that commercial banks charge.

By the way, I have built a kick-*** loan comparison spreadsheet; compares payments, interest, cost of interest, principle payment, payoff, etc. Email me and I can shoot you a copy.

sprintdammit

I managed to finance $35K of my S5 at 1.8% through my dealership. My credit union could only manage 2.49%.