If you are having some purchase goals that involves loan so make it as quick as possible because the financial firm are about to raise the interest rates as Federal Reserve is ready to do the same practice in Sept 2015.

Got it sooner than anticipated and I love it! Rate on the loan is 5%; I put $1K down plus trade in. I went to the dealership with financing already in order which made the salesman's job super easy. Still working on chiseling away remaining debt, having 2 CC’s with a balance and a personal loan which I hope by year-end into 2016 to consolidate into one low rate credit account with my credit union and start the New Year being able to save more for retirement etc.

By year end my goal is to be able to purchase a Mercedes Benz C-Class (used of course but new to me ); possibly January 2016. From my research I believe Mercedes Financial pulls from Transunion. If you've had experience with getting financing from Mercedes Financial I would love some advice, so that when I go to the dealership I'm rock solid and I know exactly what to expect. Right now my utilization is about 35%. By then it will be less and I am saving to at least be able to put 2K down. Also, by then I will no longer have a BK reporting as it is set to come off this August.