Credit Unions with good rates that accept applicants anywhere within the US?

[MYP-May-FL]

I just applied with Everence online. I was approved instantly.
Loan officer will be contacting me in 24 hours to go over details

What rate (& term) did they offer?

 

[Consta]

What rate (& term) did they offer?

1.99% for 72 months.

 

[wiparker824]

I just applied with Everence online. I was approved instantly.
Loan officer will be contacting me in 24 hours to go over details

Do let us know how the next steps go… I’m particularly curious if the loan officer makes sure you’re in line with Psalm 24 or one of the other “requirements”

 

[Consta]

Here's all I had to do to get my loan started:

1. Apply online
2. Everence employee will email you asking for pay stubs, purchase order, and ask if you're a member.
3. I told them I am not a member.
4. They gave me a link to sign up.
5. I signed up via link and just clicked " I follow their values, etc"
6. Submitted $5 debit to create an account and that's it.

Currently waiting for a VIN and they will either wire transfer to Tesla or send a check.
I think I will take a Check just in case there are issues with the vehicle. Is that right?

 

[sundevil]

did you have to become a member prior to filling out the loan app?

You dont need to when filling out the loan app. But once it is approved, yes. The loan officer goes over the details.

 

[starship42]

What proof of income did you guys have to submit?

Recent paystub PDF (along with drivers license and payoff letter, since I’m specifically looking to refinance a higher rate BMO Harris loan).

 

[YNoVA]

Just applied with Everence’s online application and got an instant approval.

1.99% for 72 months.

 

[_FM_]

Recent paystub PDF (along with drivers license and payoff letter, since I’m specifically looking to refinance a higher rate BMO Harris loan).

Thanks man!

 

[iujpj]

FWIW - The Everence loan agent told me their rates are increasing on 8/1.

 

[Carlos Danger]

Just applied with Everence’s online application and got an instant approval.

1.99% for 72 months.

Isn't the 1.99% rate an Introductory Rate for 6 months? After that I believe it adjusts to variable APR

 

[YNoVA]

Isn't the 1.99% rate an Introductory Rate for 6 months? After that I believe it adjusts to variable APR

No

 

[shinbone]

how long is the rate good for YNoVa if you dont mind asking, we have the same OD and I dont think I will be getting the car within 30days.

 

[Sat1428mylr]

Just applied with Everence’s online application and got an instant approval.

1.99% for 72 months.

Did they do a hard credit check during the application process?

 

[YNoVA]

Did they do a hard credit check during the application process?

Yes

 

[wiparker824]

Isn't the 1.99% rate an Introductory Rate for 6 months? After that I believe it adjusts to variable APR

No, that only applies to interest only Home Equity loans… they very clearly state that here if you’re curious: https://doclib.everence.com/WorkArea/DownloadAsset.aspx?id=9941

 

[YNoVA]

how long is the rate good for YNoVa if you dont mind asking, we have the same OD and I dont think I will be getting the car within 30days.

I know the approval is good for 90 days, not sure about the rate.

 

[Sat1428mylr]

Has anyone applied recently with DCU or Delta community CU?

 

[Mn3ypit]

FWIW - The Everence loan agent told me their rates are increasing on 8/1.

Never called me today, so thats great.....

 

[Consta]

You don't need a phone call to lock a rate. Spoke to an agent today and they said just apply online and you'll automatically have that rate locked in for 30 days.

 

[_FM_]

FWIW - The Everence loan agent told me their rates are increasing on 8/1.

Sucks... my EDD is not until October and that's if it doesn't keep getting pushed back.