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Think about it. They know what you are trying to do and they have costs wrapped up in your dealings with them. Does the company you work for now help their customers do business with their competitors at a loss to themselves ? If they do they will not be in business long. Not sure why people on...

Allegacy Credit Union. 2.34% easy to join and fund loan

The rate expires 9-27, but they said if you are approved before 9-27 they will honor the rate for 60 days.

ACH is beyond their control, usually on the institution that the money is coming from. Allegacy will not process the loan application until the membership is open and funded.

The spreadsheet shows Allegacy Credit Union at 3.99%. They actually have 3.19% up to 66 months for good credit.

Try Allegacy in Winston-Salem

Must become a member first, and rate will depend on credit etc. so they will only say “as low as” but will not commit to a rate until the loan is approved.

Credit reports don’t instantly update. It really depends on the creditors schedule for sending batch files to the bureaus. Not all of them report monthly. Hopefully your cc will and it will work out for your timing.

90% of MSRP

Many aren’t shopping, they are using them with no intention of following through to do business with the credit union. Makes it harder for legitimate borrowers.

That just seems shady to me. Next the Credit Unions will just say no Tesla’s financed for new members. They have figured out they should not give preapproval letters on a Tesla. They are obviously offering competitive rates but can’t continue doing so when people drive costs up with bad...

Allegacy does 90% max LTV on Teslas.

Allegacy says rate is good for 60 days. Will not have to worry about what the Fed does in September. Gap Plus insurance is $389.00, pays off the car if insurance doesn’t and gives you $1000.00 towards the purchase of your next car. Only catch is the next car has to be financed with them to get...

Did Everence ever come through?

50 k plus unsecured is never safe without a rate to cover losses. Ebmcs03 is correct, a few loans going bad plus overhead will quickly wipe out any profit with them charging under prime rates. They’ll figure it out in the next recession