You aren’t likely to get a loan less than 6.5% through chase right now. You’re probably wasting your time pursuing it.
With the fed rate at 5.25 - 5.5% range, you aren’t going to see too many sub 5 offers. I don’t know how credit unions are doing it without losing money.
As someone else mentioned there is an entire thread on credit union options. I locked mine in yesterday at 3.99%. The sub 3% loan doesn’t exist unless a dealership is buying down the rate (and charging you for it in the car price).
With the fed rate at 5.25 - 5.5% range, you aren’t going to see too many sub 5 offers. I don’t know how credit unions are doing it without losing money.
As someone else mentioned there is an entire thread on credit union options. I locked mine in yesterday at 3.99%. The sub 3% loan doesn’t exist unless a dealership is buying down the rate (and charging you for it in the car price).