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it says 2.49% for 60 months. So you are saying it is a 1% discount? i.e. 1.49% for new members? That sounds way too low.If you qualify, FedChoice Credit Union is a great option. 1% reduction on advertised rates for new members.
Hey Federal Employees | FedChoice Federal Credit Union
it says 2.49% for 60 months. So you are saying it is a 1% discount? i.e. 1.49% for new members? That sounds way too low.
it says 2.49% for 60 months. So you are saying it is a 1% discount? i.e. 1.49% for new members? That sounds way too low.
This isn't going to be popular but the most solid advice I can give you is to NEVER finance a depreciating asset. Ever.
Disagree.
While it is best to pay cash, where does one get said cash? Most people now a days don't have $20k for a down deposit on a house, let alone $100k for a Model S.
Further, what if your savings is in investments, where you're getting 25% annually? You'd lose far more than you'd save from selling the investment and not getting a loan.
This is not to mention that car loans are some of the easiest to obtain, and easiest to pay off loans that will increase your credit score. It's not a credit card, that promises "endless" cash, it's a basic one one time cash lump you use to get a very necessary (for America) asset. Once acquired, you can set up an allotment to pay the loan off, and easily budget around the cost, as it'll never change.
Disagree.
While it is best to pay cash, where does one get said cash? Most people now a days don't have $20k for a down deposit on a house, let alone $100k for a Model S.
Further, what if your savings is in investments, where you're getting 25% annually? You'd lose far more than you'd save from selling the investment and not getting a loan.
This is not to mention that car loans are some of the easiest to obtain, and easiest to pay off loans that will increase your credit score. It's not a credit card, that promises "endless" cash, it's a basic one one time cash lump you use to get a very necessary (for America) asset. Once acquired, you can set up an allotment to pay the loan off, and easily budget around the cost, as it'll never change.
Ah man, you fed the troll. You're not supposed to do that.
Check out @Ostrichsak 's recent holy war postings over the Ohmmu 12v battery. That was just warmup for when he goes all Suze Orman on everyone.