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Anyone finance here?

Discussion in 'Model S' started by irvineboy, Nov 11, 2015.

  1. irvineboy

    irvineboy Member

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    #1 irvineboy, Nov 11, 2015
    Last edited: Nov 11, 2015
    Lowest for 60 month is 1.99% (new car) and 2.99% (used car) at Penfed. Anyone else find something lower?
     
  2. asudan

    asudan Member

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    #2 asudan, Nov 11, 2015
    Last edited: Nov 11, 2015
    Alliant has 1.99% for 60 mos, 2.24% for 72 and 2.99 for 84mos.

    Energy FCU is doing a special Nov 15th-Dec 15th for .99% for 48 months but it is only on loans of $50k and less.
     
  3. jsm

    jsm Member

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  4. msnow

    msnow Active Member

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    Logix 1.49 and took 15 minutes.
     
  5. irvineboy

    irvineboy Member

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    Energy ECU says 1.83% for 60 months. I believe for EV vehicles, its another 0.5% off so 1.83% - 0.5% = 1.33%
     
  6. gizmoboy

    gizmoboy Member

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    USAA is 1.49 up to 36 months, 2.25 up to 60 months, 2.49 at 72 and 3.49 at 84 months, with a 0.25 discount for direct debit.
     
  7. lifeisgood3

    lifeisgood3 New Member

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    I'm using ATFCU. 1.45% for 60 mo (or 1.85% for 72 mo).
     
  8. sorka

    sorka Active Member

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    DCU for 1.24% which is the only reason I financed at all. If I was buying today, I wouldn't finance if I had to pay anything over 1.75%.
     
  9. gizmoboy

    gizmoboy Member

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    Why is that, sorka? I can easily get better than 2 or 3% return on investment elsewhere. Seems a no-brainer to invest that money and more than offset your interest expense on a loan.
     
  10. Discoducky

    Discoducky Active Member

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    Can civilians join USAA? I should know this...
     
  11. gizmoboy

    gizmoboy Member

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    If they are descended from members. My dad was a vet, and when he joined then I became eligible to join. Now my kids are also members through me.
     
  12. irvineboy

    irvineboy Member

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  13. Drucifer

    Drucifer Active Member

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    Truliant FCU CPO/Used 60 months 2.14% (new is 1.99%)
     
  14. brucet999

    brucet999 Active Member

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    Schools First FCU offered me 60 months at 1.49% if I transfer payments automatically from my checking account.
     
  15. sorka

    sorka Active Member

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    It's a matter of safety. I have portion of my portfolio in AAA rated bonds but they don't return very much. Still more than the 1.24% I got at DCU (even after factoring that rate of return is essentially tax free).

    If I was 100% in on aggressive grown funds and equities, like I was in my twenties, it would be a totally different matter.
     
  16. irvineboy

    irvineboy Member

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    So you just have to set up monthly automatic payment ?
    Does it require direct deposit? Some unions require direct deposit from employer for some reason.
     
  17. sorka

    sorka Active Member

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  18. StaceyS

    StaceyS Member

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    I have 1.94% for 60 mo through a local Oregon credit union.
     
  19. map724

    map724 Member

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    +1 on Alliant. Easiest transaction ever.
     
  20. Discoducky

    Discoducky Active Member

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    Just went through the registration process as my father was Navy. What was strange is that their system said I wasn't eligible, but then asked two more questions about if I was or had been married to millitary. When I said no it let me finish registration. Odd
     

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