You need to join this: - Financial Fitness Association. Will cost you $8 one time and then you will qualify. And here's the application link: Tech CU - Online Loan Application Center The main reasons I went with them was because they tied for the lowest rate I could find, didn't make me co-sign with my wife, and financed 100% of the purchase price for a 72 month term. Also no application fees or prepayment penalties. Everything I was looking for in a loan.