Alpha///M wrote4.25% for 60 months is high. Try a local credit union and you can probably get under 3% for 60 months. I've used the same local CU for my last two loans and have done as well as 1.49% for 60.This rate seems low. If you don't mind, what are your terms? I got approved by LightStream at 4.25% for 25k/60 mo. Seems high for me (zero debt ex credit). Might shop around more, but have little time. Thanks.
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05-28-2022LAST POST
Nationwide got me 2.24% on a 60-month used. So did Auto Pay. Capital One did 1.9% if I did a huge down payment, about 50% of the car, 3.4% if I did a 15k downpayment. Credit unions like Tech CU gave me 2.x%. BOA did 2.x% as well but limited only to franchise dealerships.
ErikHalo wrote5yr thread bump?It is really hard to find a suitable service!
Ab28 wroteCredit unions are going to have the lowest rate and typically allow the highest debt to income ratios in their underwriting criteria.ErikHalo wrote5yr thread bump?It is really hard to find a suitable service!
Another +1 for LightStream. Silly easy.
I've never tried Lightstream, but have used Caribou, which was also super easy, and had very low rates.
