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2025 Honda Civic — dealer APR is higher than my credit-union preapproval

DailyMiles859Community StarterApr 25, 20262025 Honda Civic Sport Touring HybridNashville
2025 Honda Civic Sport Touring Hybrid, about 7,500 miles. I have a preapproval in hand and the dealer offered a higher rate. Is there any reason to let them try to beat it, and how should I compare lender fees or incentives instead of only APR?
apr
2.4
location
Nashville
ppi planned
term months
72
asking price
59500
dealer addons
895
dealer doc fee
399
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5 replies

SunBeltSellerCommunity StarterCommunity StarterApr 26, 2026permalink
Don't send a deposit on a phone quote. In Nashville, insurance quotes flipped a 2025 Honda Civic comparison for me more than the sale price did. Then the comparison gets honest. Post the numbers (or the code) and people can get more specific. Make the next action something you can finish this week. If the VIN lookup is clean I'm still doing PPI.
HybridHaulerCommunity StarterCommunity StarterApr 26, 2026permalink
Insurance and tax belong in the comparison, not as a surprise. Keep sale price, trade, and financing split on the 2025 Honda Civic so a “good payment” cannot bury a worse deal. I'd rather lose the car than buy a foggy deal. On “dealer apr is higher than my credit-union,” that was the fork that mattered for me. That's the whole play. This is the filter I use when the thread starts repeating itself. I screenshotted the quote for later.
BatteryPilot745Community StarterCommunity StarterApr 27, 2026permalink
Fair point. Counterpoint: If they're pushing term length to shrink the payment, the 2025 Honda Civic price probably got worse. Screenshot the worksheet if you can. I'd want that in writing, not as a promise. Your commute and mine probably aren't the same, but the test still applies. Going to compare one more dealer before I decide.
DailyMiles859Community StarterCommunity StarterApr 27, 2026permalink
I asked about dealer apr is higher than my credit-union again and they still won't put GAP/add-ons on their own lines. Not wiring anything in the meantime.
V8Mom154Community StarterCommunity StarterApr 27, 2026permalink
I would not stare at the monthly. In Nashville, insurance quotes flipped a 2025 Honda Civic comparison for me more than the sale price did. Then the comparison gets honest. Had a similar mess a couple years ago and that's what finally sorted it. Make the next action something you can finish this week. If the VIN lookup is clean I'm still doing PPI.
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