Chandler
Well-Known Member
I did grab the 2013 Audi S4 - I will take some pictures of it to post after I clean all the new brake dust off the wheels
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I thought about buying a used RS5 or RS4 - but the cost being close to 20K I thought I would just buy new if I could.
I am 20 years old with credit history as long as I could have it... But for a 44.9K car with 13 down I may not get the loan at a rate I am okay with. Hopefully we will see tomorrow. I applied at two credit unions to shop for rates.
I am putting over 20% down so typically speaking I would get a better APR. Now with limited credit history they may not want me. I was thinking worst case scenario they would just offer a high APR and I walk away with two hard credit inquiries on my report now... But the loan officers I have spoken with have sketched me out a bit. You would think with 13 down and getting the car with extra features at a price lower then book value that I would have current equity in the car and the bank would hope I default so they can repo the car and make extra money off me, but instead I am seen as a risk.
If I get it - I will post some pictures