Thanks. I appreciate it. I’m assuming Tier 1 is over 700.Current VCI CPO APR is %0/60mo, 0.75%/72mo for all CPO vehicles MY16 and newer (excluding TDI) w/ Tier 1 credit. If the vehicle is not CPO, standard VCI Used vehicle rates apply, which I won't bother looking up because you won't want to use them.
I can't say it with absolute certainty in the case of VCI, but with most captive finance companies, all it takes is a phone call from the F&I manager at the dealership to get a 1-tier bump, if it will ensure a sale.740 for 0% on CPO cars, rates are very good down to 680 though. you only need 700 for 0% on a new car, go figure.