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Best avenue for a used-car loan in today's lending environment?
Posted on 5/7/23 at 1:01 pm
Posted on 5/7/23 at 1:01 pm
Thank you. Will also post on Money Board, in case this is the wrong place.
13
Posted on 5/7/23 at 1:03 pm to Zachary
I am interested in this as well.
Any dealerships offering huge incentives?
Probably will get a lol response.
Any dealerships offering huge incentives?
Probably will get a lol response.
Posted on 5/7/23 at 1:03 pm to Zachary
I’ll lend you some money
Now let’s talk points…
Now let’s talk points…
Posted on 5/7/23 at 1:10 pm to Zachary
Dealerships and credit unions.
Posted on 5/7/23 at 1:18 pm to Zachary
Get pre approved at a credit union.
Posted on 5/7/23 at 1:20 pm to Zachary
Unless you find a dealership offering a ridiculously low rate, I'd go credit union.
This post was edited on 5/7/23 at 1:21 pm
Posted on 5/7/23 at 1:21 pm to Zachary
Credit unions
Posted on 5/7/23 at 1:26 pm to Zachary
Credit union
Posted on 5/7/23 at 1:27 pm to Zachary
Same as always, get a quote from your bank or credit union. Bring it with you to the dealership. Get them to beat it.
Posted on 5/7/23 at 1:32 pm to jnethe1
I think it’s your own bank, which hopefully you’ve been with for a while. Not the expert though, but I’d start there.
Edit- lots of recommendations for credit unions, I think that’s good advice as well- know your credit score going in, and try not to have too many financial institutions running your credit at the same time, this could hurt you. Or at least it used to, but it’s been a while since I had to go through it
Edit- lots of recommendations for credit unions, I think that’s good advice as well- know your credit score going in, and try not to have too many financial institutions running your credit at the same time, this could hurt you. Or at least it used to, but it’s been a while since I had to go through it
This post was edited on 5/7/23 at 1:35 pm
Posted on 5/7/23 at 1:35 pm to jpbTiger
Yep, made the mistake of being with chase bank for business and personal for a while. Moved over to a local bank about four years ago and love the service.
Posted on 5/7/23 at 1:36 pm to Zachary
Dealerships will say they CUDL, (Credit Union Direct Link) and that they can get the same rate from credit unions if you finance with them. Don’t do it. They will lie to you and add points to the APR that you could have saved by going directly to the credit union and getting financed before you headed to the dealership.
Posted on 5/7/23 at 2:26 pm to Breauxsif
Just financed one thru credit union. It was lass of an arse rapping than dealership.
Posted on 5/7/23 at 2:29 pm to pwejr88
Dealerships are typically new car incentives based and very by model. Credit unions can be good, depending on the organization.
Posted on 5/7/23 at 2:29 pm to Zachary
Prob a loan thru a credit union at this point.
Personally, if you wait until the fall the 0% rates will be back on new vehicles.
Personally, if you wait until the fall the 0% rates will be back on new vehicles.
Posted on 5/7/23 at 2:31 pm to Zachary
Credit Unions are lower than banks or dealerships. I just bought one through a credit union.
This post was edited on 5/7/23 at 2:49 pm
Posted on 5/7/23 at 2:45 pm to Zachary
You can get a rate from capital one without a hard credit pull. It might not be the best but it is a baseline to go off of, especially if the dealer tries to jerk you around with a high rate.
Posted on 5/7/23 at 2:48 pm to BabyTac
Why do you think 0% will return in the fall?
Posted on 5/7/23 at 3:03 pm to Zachary
quote:
Why do you think 0% will return in the fall?
Dodge/Jeep already had it this past fall on previous year models on the lot. The correction is coming, lots will be full this fall. Full lots means low interest rates. Most lots in bigger cities are full right now.
This post was edited on 5/7/23 at 3:05 pm
Posted on 5/7/23 at 3:23 pm to BabyTac
quote:
Personally, if you wait until the fall the 0% rates will be back on new vehicles.
Depends on what you are buying. If you want FCA or GM, sure. Honda or Toyota nah.
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