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Topic Review (Newest First)
12-06-2012 05:17 AM
MelloYelloTi BOA keeps offering me to defer my payments till April since I'm way ahead of paying my loan payments. I called them to stop offering this unless I call them directly.
12-03-2012 10:56 PM
Just Tom Not a bad deal if you got 0% APR.
12-03-2012 07:06 PM
lookin4trouble I got one of these from Ford and another from Nissan for my wife's truck. Nissan said it was Hurricane Sandy related. What a joke. Unless your Net Worth is negative, don't take these credit companies up on these offers.
12-03-2012 01:30 PM
redwake my credit union did it for me one year... the interest payment wasn't really of concern for me; and i'm yet to keep a car for an entire loan term so that final payment wasn't felt.

not having a car payment that particular month that particular year was very helpful. given the opertunity this month i wouldn't take it i'm in a different place financially now.
12-03-2012 01:29 PM
Originally Posted by Shorty Long View Post
yeah...i'm definitely passing...i was more interested in finding out how common this almost seemed to me like some sort of scheme
Well, regardless of who is offering it, no credit company is out there to do things for our benefit, only their own. Just like when those furniture (or whatever) places offer no-interest financing for 48 months or how ever long. They gloss over the part that in the fine print is the fact that if you don't pay it off in that amount of time they slam on compounded interest for the entire purchase price that started accruing from the day the purchase was made.
12-03-2012 01:22 PM
Shorty Long yeah...i'm definitely passing...i was more interested in finding out how common this almost seemed to me like some sort of scheme
12-03-2012 01:20 PM
RazorbackMustang And you'll pay a fee for it as well. As long as you don't NEED to do it, I'd pass.
12-03-2012 01:11 PM
glocker My brother did this once through ford credit. Not only do you still pay interest, but he had to pay it on the last month. So his last payment had that one tacked on making it double what a normal payment would be.
12-03-2012 01:03 PM
copernicium112 Not from Ford but my credit union offers me this evey year when I have any type of loan with them. A lot of places offer it in December as a "service" to allow folks to have more money for X-mas shopping (and like 2wheeladict said, it will still accrue interest).
12-03-2012 12:29 PM
2wheeladict most any time a credit line is defered, it still acrues interest. if youre not worried about how long you pay on it and would like to defer it, at least pay what the interest is that month to avoid paying more in the long run.
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