nolanryan Posted November 8, 2022 Share Posted November 8, 2022 I’m looking to finance a $70k vehicle with $30k down. Scores are 775-800. Any go to places for best rates that everyone is using these days? Quote Link to comment Share on other sites More sharing options...
hegemony Posted November 8, 2022 Share Posted November 8, 2022 10 hours ago, nolanryan said: I’m looking to finance a $70k vehicle with $30k down. Scores are 775-800. Any go to places for best rates that everyone is using these days? I would check the CUs you're a member of and perhaps bankrate. A lot will depend on the term you want to carry. Patelco will run a pre-qual if you want to see what it'll offer you. https://apply.patelco.org/nextgen#/flows/consumerloan/cmr-personal-info MarvBear 1 Quote Link to comment Share on other sites More sharing options...
centex Posted November 8, 2022 Share Posted November 8, 2022 What make of vehicle? Sometimes the captive IS a viable option... hegemony 1 Quote Link to comment Share on other sites More sharing options...
hegemony Posted November 8, 2022 Share Posted November 8, 2022 7 minutes ago, centex said: What make of vehicle? Sometimes the captive IS a viable option... true. Also, if you find a good rate at a CU, consider CUDL to avoid being shotgunned if that is a concern. centex 1 Quote Link to comment Share on other sites More sharing options...
nolanryan Posted November 8, 2022 Author Share Posted November 8, 2022 1 hour ago, centex said: What make of vehicle? Sometimes the captive IS a viable option... Chevrolet Quote Link to comment Share on other sites More sharing options...
centex Posted November 8, 2022 Share Posted November 8, 2022 1 hour ago, nolanryan said: Chevrolet Ugh. Based on some of Marv's comments on other threads, I would HIGHLY recommend you begin by asking the F&I guy or gal if they will take a check from another lender. Some are not willing to do so...with inventory shortages, they have the upper hand. That said, if you auto-enhanced score is actually where you claim it to be, you would likely be Tier 1 and qualify for the best rates through the captive, so I would check on that before doing ANYTHING else. Quote Link to comment Share on other sites More sharing options...
nolanryan Posted November 11, 2022 Author Share Posted November 11, 2022 I ended up financing with American Airlines Credit Union. They has the best rate as far as I could find 61 to 72 months at 3.75% and an additional .25% discount if you do auto draft. Just sharing for others if needed. hegemony 1 Quote Link to comment Share on other sites More sharing options...
centex Posted November 14, 2022 Share Posted November 14, 2022 On 11/10/2022 at 11:36 PM, nolanryan said: I ended up financing with American Airlines Credit Union. They has the best rate as far as I could find 61 to 72 months at 3.75% and an additional .25% discount if you do auto draft. Just sharing for others if needed. Since it appears you are only financing $40K (given the reference to $70K with $30K down), please tell us you intend to have this paid long before the fifth year has even come to a close...it makes no sense to drag a small purchase out to anything longer. hegemony 1 Quote Link to comment Share on other sites More sharing options...
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