DCU Auto Loan??

[trippie]

Hello,

I see a lot of people applying for this loan. So in order to get a loan through them, I would need to be a member.

Can I just join and organization listed on their website and pay like a one time fee to be a part of and just get my loan through them?

This is my first time getting a personal loan.

Thanks,
Mike

 

[gkmanu8]

Hello, send me a PM first name, last name and email id. I can refer you and you can sign up to be a member.

 

[gkmanu8]

You’ll get $20 and I’ll get $10 for joining using a referral. Win-win

 

[trippie]

Hello. idk why it doesnt let me send you a message. Can you please send me a message so i can pass you the details

 

[LukeCU]

Could you PM me. I would love referral link? I'm unable to message you.

 

[CFused]

I think you need a certain number of posts before you can PM

 

[Hydrus17]

Hello, send me a PM first name, last name and email id. I can refer you and you can sign up to be a member.

I would also appreciate a referral could I PM you?

 

[AJ08]

Hi There, I would appreciate a referral. I am a new member so unable to PM you, any chance you can PM me so i can pass the details to you. Thanks

 

[kewlguy]

If i were to get the car next spring, how soon should i open the account with DCU?

 

[achon125]

Hello, send me a PM first name, last name and email id. I can refer you and you can sign up to be a member.

Hello,

Could you please send me a referral as well.

Thank You!!

 

[Maximus831]

I’ll take a referral. Thanks.

 

[CFused]

If i were to get the car next spring, how soon should i open the account with DCU?

If you're going to match a rate is Tesla I think it's good for 60 days so I would think sometime within that period.

 

[kewlguy]

If you're going to match a rate is Tesla I think it's good for 60 days so I would think sometime within that period.

I am not talking about the auto rate, but rather, opening checking and saving with them. Do you not need to have these checking and saving with them in order to get a better rate (under plus)?

 

[Sant]

Hello, send me a PM first name, last name and email id. I can refer you and you can sign up to be a member.

Since Im a new member can not send pm, but I would also like to get a referral. Last name: Misay and email is [email protected]

 

[anix7776]

How early or late should I apply for a DCU loan if my current EDD is January 2022?

 

[PB FUTED]

How early or late should I apply for a DCU loan if my current EDD is January 2022?

Was told by DCU, approved rate is good for 45 days

 

[PB FUTED]

I am not talking about the auto rate, but rather, opening checking and saving with them. Do you not need to have these checking and saving with them in order to get a better rate (under plus)?

Yes you are required to open both checking and savings to qualify for plus. The issue is their website is horrible. I tried opening a checking account after I was approved for an auto loan but they don’t have any other ways of transferring fund other than electronic even though they said you can use an existing debit card. Then the electronic fund won’t accept any of my bank’s routing number; I tired 2 different bank accounts. So far it is giving me pause to go with DCU. their rates are great, but at what cost?

You’ll get $20 and I’ll get $10 for joining using a referral. Win-win

 

[OCJeff]

Yes you are required to open both checking and savings to qualify for plus. The issue is their website is horrible. I tried opening a checking account after I was approved for an auto loan but they don’t have any other ways of transferring fund other than electronic even though they said you can use an existing debit card. Then the electronic fund won’t accept any of my bank’s routing number; I tired 2 different bank accounts. So far it is giving me pause to go with DCU. their rates are great, but at what cost?

I agree, a little kludgey but it works.... I just had to add my bank account (Yellow) and then Make a payment (Orange). That will transfer from my bank to DCU. I have DD set up, but I'm only moving about 1/2 of my payment each paycheck and it's not yet registered me with "Plus" status for the extra .50% discount. If needed I'll increase and then set auto transfers to come back after each pay period. Not ideal but it would save me about $1500 in finance charges.

 

[Peekabooo]

I agree, a little kludgey but it works.... I just had to add my bank account (Yellow) and then Make a payment (Orange). That will transfer from my bank to DCU. I have DD set up, but I'm only moving about 1/2 of my payment each paycheck and it's not yet registered me with "Plus" status for the extra .50% discount. If needed I'll increase and then set auto transfers to come back after each pay period. Not ideal but it would save me about $1500 in finance charges.

View attachment 703791

with the .5%, what would the new rate to be? I thought the ~1.2% was the lowest.

 

[OCJeff]

with the .5%, what would the new rate to be? I thought the ~1.2% was the lowest.

Base rate is 1.99%. With PLUS membership it’s 1.49%. Add to that the EV discount and it’s 1.24%.

Even without the PLUS membership it’s 1.74% and not a bad rate at all.