re: Auto Loan Rates

google DCU

I got 2.39% for 60 months last week with 800+ credit.

ETA... It was with TD Auto Finance.

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My understanding on this is that you have to pay full MSRP for the vehicle to get the 0%.

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I've heard that a time or 2, but that is usually a local decision of a shitty sales manager. Plenty of dealerships out there that will deal off of invoice and still offer you your choice of which ever other incentives are available such as cash back or cheap financing.

dcu.org

DCU 1.99 for 65 months

I have used these guys and Navy Federal and Penfed, both are good and easy to work with. DCU offers their lowest rate up to 65 months. Been years since I've seen the particulars but at one time they would give that rate down to a 680 equifax version 5 score as well.

0% on a 2020 Mazda

These credit unions have great rates, but the few I’ve spoken to have membership restrictions to apply. And to be a member, you have to live in the same state or parish as the CU. For example, GP Louisiana CU said I had to live in Zachary to apply for membership and loan. Anyone know of any work around?

I got 2.8% on a new car loan a couple of months ago with a local Finnish bank, but I had to negotiate a bit to lock it down. It seemed like loans for used cars had higher rates unless you went for shorter terms. The key for me was showing a solid income history and having about 10% as a down payment. Dealers sometimes pitch attractive offers, but watch out for hidden fees or inflated vehicle pricing.

If you're in Finland and want to compare rates easily, the Finnish Car Loan Calculator at LINK can help estimate your costs. It’s worth checking out to get a clearer idea of expenses before applying for any loan.