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California financing 2.19% 72 months

Discussion in 'California' started by jelly, Jul 3, 2019.

  1. turtlesz

    turtlesz Member

    Joined:
    Aug 7, 2017
    Messages:
    339
    Location:
    Southern California
    2018
     
    • Like x 1
  2. Chandu_732

    Chandu_732 Member

    Joined:
    Apr 30, 2019
    Messages:
    15
    Location:
    Charlotte NC
    Are there any banks with such rates outside of California? I am in North Carolina. I am paying 4.49 for 72 months and local CU has 3.25 for 72 months. Any better than that? I would love somewhere in 2% vicinity

    Plz advise
     
  3. Maximus831

    Maximus831 Member

    Joined:
    Mar 3, 2019
    Messages:
    37
    Location:
    CA
    Just applied. Lady said it takes about 3 days to get a final approval but I did qualify for their lowest rate (795 TU Fico). Yes, you’re right about the payment needing to come from their account. Thanks again.
     
  4. glusc2002

    glusc2002 Member

    Joined:
    Jul 6, 2016
    Messages:
    138
    Location:
    Orange County
    That’s pretty easy right? Just auto deposit transfer the payment In to EECU account each month.
     
  5. Maximus831

    Maximus831 Member

    Joined:
    Mar 3, 2019
    Messages:
    37
    Location:
    CA
    Yes, I’ll have my bank auto deposit the loan amount monthly from my checking!
     
  6. adiggs

    adiggs Active Member

    Joined:
    Sep 25, 2012
    Messages:
    2,354
    Location:
    Portland, OR
    I think you did! Congrats :)
     
  7. nybw51mr42

    nybw51mr42 Member

    Joined:
    Feb 18, 2018
    Messages:
    269
    Location:
    Los Angeles, CA
    Did the rates change or am I missing something? It now shows 4.15% for 72 months..
     
  8. jelly

    jelly Member

    Joined:
    Jul 1, 2018
    Messages:
    143
    Location:
    SoCal
    EECU

    Not sure why nobody searches eecu Fresno. Pretty sure you brought up the eecu in Texas.
     
  9. nybw51mr42

    nybw51mr42 Member

    Joined:
    Feb 18, 2018
    Messages:
    269
    Location:
    Los Angeles, CA
    Well, that was easy (and a little embarrassing). Thank you!
     
  10. glusc2002

    glusc2002 Member

    Joined:
    Jul 6, 2016
    Messages:
    138
    Location:
    Orange County
    I was told from EECU when calling that the rates would change but likely going up to 2.59% including the discount. How did you see it lower than advertised 2.19% on their site?
    What qualifications did Lightstream require?
     
  11. evoalex

    evoalex Member

    Joined:
    Jul 16, 2019
    Messages:
    16
    Location:
    Los Angeles
    Calling today.
     
  12. OhHeyThere

    OhHeyThere Member

    Joined:
    Jun 26, 2019
    Messages:
    35
    Location:
    Los Angeles
    Curious how you net out. Let us know
     
  13. evoalex

    evoalex Member

    Joined:
    Jul 16, 2019
    Messages:
    16
    Location:
    Los Angeles
    Received a 3.69% rate due to some CC's I have. Not terrible, but not great.
     
  14. jelly

    jelly Member

    Joined:
    Jul 1, 2018
    Messages:
    143
    Location:
    SoCal
    They said you would qualify for the 2.19 rate?
     
  15. evoalex

    evoalex Member

    Joined:
    Jul 16, 2019
    Messages:
    16
    Location:
    Los Angeles
    They said most over 800 credit scores qualify for the 2.19. I was just shy.
     
  16. Maximus831

    Maximus831 Member

    Joined:
    Mar 3, 2019
    Messages:
    37
    Location:
    CA
    I was approved today but have to drive down to Fresno to open an account in person. Oh well, I suppose it’s worth it to go from 3.75 to 2.19.
     
  17. jelly

    jelly Member

    Joined:
    Jul 1, 2018
    Messages:
    143
    Location:
    SoCal
    How far? I'm mailing mine in.
     
  18. Maximus831

    Maximus831 Member

    Joined:
    Mar 3, 2019
    Messages:
    37
    Location:
    CA
    For some reason the rep said I needed to visit a branch in person to open up the checking account. It’s about a 140 mile drive for me so it is what it is.
     
  19. tpekid88

    tpekid88 Member

    Joined:
    Jul 19, 2019
    Messages:
    6
    Location:
    NorCal
    Hi, i'm in Norcal.. So can anyone apply with this rate? i have credit score of 800.
    I don't need to be a educational employee do i ?
     
  20. jelly

    jelly Member

    Joined:
    Jul 1, 2018
    Messages:
    143
    Location:
    SoCal
    If the car is to be titled in California you are eligible. If you don't fit their criteria for membership, you can join a local PTA for $10 to qualify.
     

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