Best Car deals, new or used in CT?

Submitted by Kampfman t3_ztev33 in Connecticut

Its the first time my fiancée is making a major purchase, and its a necessary car.

730 Credit Score, 6k Down payment

Does anyone have any leads on a trustworthy place to go? or a specific deal, (APR) or even credit unions with good rates or anything?

I had a dream that we made a mistake and got taken advantage of. Ill never hear the end of it.

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TwoCanSee t1_j1danxy wrote

Join a credit union for the best loan rates.

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DungareeManSkedaddle t1_j1dgx7a wrote

AAA will get lower rates from credit unions than you can get applying with them on your own. I’ve used their service 3x and now belong to three different credit unions.

But, yes, best rates will be at CUs.

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TwoCanSee t1_j1dh3jj wrote

Cool didn’t know that. Have examples?

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DungareeManSkedaddle t1_j1e0xgz wrote

My most recent loan is from 2018.

1.99% from First Connecticut CU. At the time their website was offering closer to 3%, so AAA must have enough buying power to negotiate rates we can’t get on our own.

Yeah, good days… I feel for you guys having to borrow right now!

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TwoCanSee t1_j1e7b66 wrote

So my last loan was also 1.99 new car. Here’s what the state of CT has currently. cu

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DungareeManSkedaddle t1_j1d8uo3 wrote

J&M is honest. No haggle and higher fees than some, but very reputable and they sell good cars. They will take the car you like to YOUR mechanic to be vetted for no charge.

AAA for finding the best rate.

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IndicationOver t1_j1dsn5m wrote

>J&M is honest. No haggle and higher fees than some, but very reputable and they sell good cars.

Why? They have 6k downpayment and 730 credit score, why go to a used car dealer? OP should be getting a new car or certified pre owned.

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TimeTraveler3056 t1_j1da7tk wrote

What kind of cars does she like? Personally I'm partial to Hondas.

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Kampfman OP t1_j1m3g48 wrote

Mini.....

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TimeTraveler3056 t1_j1mji0l wrote

I have a Honda Fit right now. I can fit anything in there. Mechanically it's awesome. Gas savings are great. If you drive in the winter though, it seems very lightweight. I love my Fit.

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gregra193 t1_j1dvvtu wrote

New Honda or Toyota, maybe Mazda. No Add-ons, no extended warranty, no paint protection. Manufacturer financing offer. She should ask the dealership only to send her credit application to the manufacturer, not third party banks.

Don’t pay above MSRP for the car. No need to deal with repairs and maintenance on a used car with credit and down payment like you mention.

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IndicationOver t1_j1dsfnx wrote

Way too broad of a question.

How about to start what kind of vehicle are you looking to get?

Max price

If used, what mileage. If used are you going for Certified Pre Owned?

It might be better to go new

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Boomer_1373 t1_j1dgk9m wrote

Compare similar cars on apps like iseecars, CarGurus, CARFAX, etc and you’ll know how much to pay.

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MoeLittle t1_j1dwk0c wrote

Not sure where you are but I've had great experiences with canton auto exchange. They were able to tack on a certified warranty on my car so the interest rate was cut in half with the credit union

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britt_102689 t1_j1zk7jc wrote

Best of luck to your fiancée finding a car! Whatever you do, please do not go to Gengras Dodge Jeep Ram in East Hartford. I got my 2021 Jeep Grand Cherokee there back in 2020 and it was a complete nightmare!

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