Financing Options

[BEECHFRONT]

Received my loan completion paperwork and it actually has the lower TrueCar rate on it.

your build sheet was 4/5?

 

[naamanf]

your build sheet was 4/5?

Yes

 

[BEECHFRONT]

Yes

how long did they lock your rate in for?

 

[naamanf]

how long did they lock your rate in for?

so you got the 1.49 rate? It's amazing!!

30 days, so it’s a bit of a gamble.

Applied today, got todays best TrueCar rate which is now 2.04. Should have done it yesterday

 

[BEECHFRONT]

30 days, so it’s a bit of a gamble.

Applied today, got todays best TrueCar rate which is now 2.04. Should have done it yesterday

Yes it is a big gamble, you dont have a ws yet, My bs was 2/3 and I still dont have my truck yet, latest eta to dealer is 4/15, to chapman, I made the same mistake and have to apply all over again

 

[No_LU-G]

They said it doesn’t matter because they just see the link you make on the website to the dealer.

So what did you have to do in order to have the lower rate? Is there a link on the PenFed website?

 

[naamanf]

naamanf should apply navy fed and get pre-approval. It's good for 90 days. Also USAA gives 45 days. 14 days you can apply multiple banks, it won't hurt your credit score !

So what did you have to do in order to have the lower rate? Is there a link on the PenFed website?

I have about 30 days left on the USAA one I have, I'll look into NFCU.

Go to https://penfed.truecar.com and select a Ram 1500 and put in the dealers zip code. If they are a TrueCar with Penfed it will allow you to pick them. You will get an email and phone call from a sales guy, I just told him I already had one on order with them.

 

[Trxtruck]

Does anyone know if Granger Motor is part of true car?

 

[The dude]

Try Navy Federal you may qualify for the 2.29
Loan to Value at least 80% would make a difference in your rate

And done. 2.29%/72 at Navy Fed, locked in for 90 days.

 

[jcmh1995]

So this is what my Truecar through Penfed says. Rates as low as .99 as of today.

 

[Digerati]

And done. 2.29%/72 at Navy Fed, locked in for 90 days.

happy you listened me. That's great company, excellent customer service similar to USAA

 

[mpardun]

Don't know what ya'll are seeing these days, I've been quoted north of 8% (84 mo) this past week on a solid FICO. Granger (Stellantis) came thru 0.35% cheaper than USAA and USSFCU! When it comes down to it...shop around - Catlyn at Granger has been awesome to deal with.

 

[Austinmtlhd]

that depends where you finance. Does your CU send the check to you or the dealer? If it's in your hands, how they put an expiration on it? Something may be in their policy/requirements.

I got the original loan approved when I ordered my truck. Rate was only good for 60 days. Truck took 14 weeks to come in after ordering it. I had to requalify for loan but it was luckily for the same 1.95% for 84 months. I let the CU know what was going on with the order. CU did give me the check on the 2nd approval at the same rates. Been with this CU for 25 years now so they know me well. They usually charge more for 84 over 60-72 but gave me the deal for being a long time customer.

 

[DirtMcGirt8732]

Don't know what ya'll are seeing these days, I've been quoted north of 8% (84 mo) this past week on a solid FICO. Granger (Stellantis) came thru 0.35% cheaper than USAA and USSFCU! When it comes down to it...shop around - Catlyn at Granger has been awesome to deal with.

Picked my truck up about a month ago and the dealer also quoted me 8% initially on a solid FICO. They were able to “buy down” the rate to 6.5%. I had already been approved at 5.49% through USSFCU, which I feel pretty good about given the current state of interest rates.

 

[Dark Wing]

So this is what my Truecar through Penfed says. Rates as low as .99 as of today.View attachment 38668

Ah, the good old days!

 

[Dark Wing]

Picked my truck up about a month ago and the dealer also quoted me 8% initially on a solid FICO. They were able to “buy down” the rate to 6.5%. I had already been approved at 5.49% through USSFCU, which I feel pretty good about given the current state of interest rates.

Is this with all the discounts?