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

[Fleer]

FedChoice has raised their rates and changed the new member discount to .25%, booooo.

 

[Predation]

They’re asking proof of social security? Has anyone been asked this?

 

[Predation]

FedChoice has raised their rates and changed the new member discount to .25%, booooo.

What’s the new rates?

 

[Predation]

What’s the new rates?

Never mind. I looked. Still under 5% all said and done.

 

[Predation]

How do you get the promo for auto loans? I don’t see any advertising anywhere on the app or website?

 

[amoney805]

Is there any better rates than Fedchoice now that they raised their rates?

 

[Fight_Club]

Is there any better rates than Fedchoice now that they raised their rates?

I'm checking AutoPay....

 

[amoney805]

My approval just went through with Fedchoice. 72months @ 4.89%. Far cry from the 3.99% I had my mind set on.

 

[1.21gigawatt]

My approval just went through with Fedchoice. 72months @ 4.89%. Far cry from the 3.99% I had my mind set on.

Still better than Tesla's rate!

 

[stlclint]

Fedchoice: Is the 1% reduction in the rate given at approval when applying online or do they take that rate and subtract up to 1% manually during processing?

 

[terranx]

Fedchoice: Is the 1% reduction in the rate given at approval when applying online or do they take that rate and subtract up to 1% manually during processing?

I got it at the time of approval

 

[stlclint]

I got it at the time of approval

Interesting. I got a.25 reduction at approval online. I’m hoping on Monday they bring it down another .75%.

 

[Fleer]

Fedchoice: Is the 1% reduction in the rate given at approval when applying online or do they take that rate and subtract up to 1% manually during processing?

They changed it to .25% from 1% just recently.

 

[tesnova]

My approval just went through with Fedchoice. 72months @ 4.89%. Far cry from the 3.99% I had my mind set on.

Is there any better rates than Fedchoice now that they raised their rates?

Eh you can get a better rate with ussfcu for 36 months a 4.74% - but that’s if you can afford to do 36 months - their 48 is like 4.99

 

[amoney805]

Eh you can get a better rate with ussfcu for 36 months a 4.74% - but that’s if you can afford to do 36 months - their 48 is like 4.99

I have to stick with 72 months since im coming in with zero down. Ill be selling my model 3 after it gets repaired from being rear ended.

 

[reininop]

I have to stick with 72 months since im coming in with zero down. Ill be selling my model 3 after it gets repaired from being rear ended.

I get that it sucks that the rate went up, but it's still slightly lower than most high yield savings accounts online. Don't waste any more money down than you have to when you can make more in a no-risk savings account that earns you more interest a month than you are paying in interest on the loan. If the rate goes down, put some money toward the car then, but at sub 5% loans, they are incentivizing 0% down payments.

 

[Predation]

Quick question. How quick does Fedchoice finish up loans after application?

 

[Predation]

Quick question. How quick does Fedchoice finish up loans after application?

Following up on this.
I'm trying to get information/verbiage for the Fedchoice Lien holder info that needs to be on the registration.
Can anyone who has that information DM me? I'm trying to get the information to my dealer so he can draw up proper paperwork
so things don't get delayed.

 

[RunCoordinator]

My approval just went through with Fedchoice. 72months @ 4.89%. Far cry from the 3.99% I had my mind set on.

Received instant approval today from Fedchoice. Same terms, 4.89 for 72 months

 

[RunCoordinator]

Following up on this.
I'm trying to get information/verbiage for the Fedchoice Lien holder info that needs to be on the registration.
Can anyone who has that information DM me? I'm trying to get the information to my dealer so he can draw up proper paperwork
so things don't get delayed.

Predation, I see no one is getting back to you here, but did you end up funding your loan with Fedchoice, and if yes, can you share your experience? I assume you received a pre-approval, then final approval? Did you get funds to Tesla in time for your delivery appointment? TIA