Anyone doing better than 3.99% for financing right now

[shapiroeric]

The Fed is due for another hike in Dec....although they may scale back their increases next year slim chances we will see rates come down for quite a long time. I think you'll be hard pressed to find anything under 4 right now and most will be at least 4.5....

I have 2.09 for 60 months from BofA in May.....that same loan is now 4.49.....

 

[FaTdragon]

I just did mine, chartway cu.
72 was 5.25
84 was 6.19
After auto pay and trade equity

 

[ZR2orTRX]

EECU in Texas - 84mo - 5.04% - 700 credit score
Ally - 84mo - 6.24% - 700 credit score

as of 9/30/22

 

[VTR85]

EECU in Texas - 84mo - 5.04% - 700 credit score
Ally - 84mo - 6.24% - 700 credit score

I called EECU in downtown Ft Worth on 10/24 and they stated with top scores they were at:

72 @ 5.34%
78 @ 5.44%
84 @ 5.49%

They go off the FICO 9 Experian auto score and 760 or higher gets those rates. 30 day rate lock.

 

[Tacoma2TRX]

Did you have any issues with DC and FedChoice?/How was the general FedChoice experience?

Sent you a PM. Going through the pickup process this week. Will let you know how it goes.

 

[ZR2orTRX]

I called EECU in downtown Ft Worth on 10/24 and they stated with top scores they were at:

72 @ 5.34%
78 @ 5.44%
84 @ 5.49%

They go off the FICO 9 Experian auto score and 760 or higher gets those rates. 30 day rate lock.

my numbers are from 9/30, edited to show

 

[mostwanted]

My question is if you use a dealers finance and then want to refinance right away will the credit union still look at it as new rate wise? Its technically a refi so curious how that would affect the loan and how complicated it is after the fact.

 

[Hinzy]

My question is if you use a dealers finance and then want to refinance right away will the credit union still look at it as new rate wise? Its technically a refi so curious how that would affect the loan and how complicated it is after the fact.

I'm sure each credit union is different.
At mine, the posted rates for used and new are the same so wouldn't matter.

 

[SneekEm]

Have your dealer check with Stellantis FS as they seem to be the best from the dealership currently.

With that said, I’m a 825 credit score and my dealer matched my credit union rate of below 5% in mid Oct through Stellantis FS.

 

[LDN]

Have your dealer check with Stellantis FS as they seem to be the best from the dealership currently.

With that said, I’m a 825 credit score and my dealer matched my credit union rate of below 5% in mid Oct through Stellantis FS.

FS = Financial Services?

 

[age_par]

Went to a local credit union and got 3.9 after the dealership offered 7.3. hahaha I'm a credit score of 805

 

[SneekEm]

FS = Financial Services?

Yes.

 

[VTR85]

My question is if you use a dealers finance and then want to refinance right away will the credit union still look at it as new rate wise? Its technically a refi so curious how that would affect the loan and how complicated it is after the fact.

I’ve seen some who have the same rates for both new and used. Others I’ve seen state that if it’s been purchased new within 90 days it’s still considered “new” to them. Definitely varies per credit union.