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financing
- Thread starter Rawad H.
- Start date
Also using Mary Johnson at EFCU. It's a bit of a mess to be honest, but she's very nice and says she's got 5-10 Tesla apps on her desk right now. The messy part for instance, is I filled out a membership app for that Chinese place and listed my spouse as joint. But when she went to put loan in she wouldn't put my spouse on there. She had to fill out ANOTHER membership app. in order for us to do a joint loan. Very strange, but whatever, keeping the end goal of 1.11 in mind.
working with her as well, i had to send in an application for both myself and my co-signer. a little bit tedious since you have to snail mail everything, but the interest rate should make it worth it.
Super Snake
Member
Just got off the phone with mary will have my per approval this afternoon hopefully!!
btw she said I could not finance the title or taxes which is a first to me
btw she said I could not finance the title or taxes which is a first to me
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what does financing the title mean? i dont think we deal with anything like that in VA. we just pay a few bucks to title the car when we register it.
Super Snake
Member
In most states you can include the taxes you pay and the registration fee ( which in Delaware is 2%) in the over all loan amount
so i just got off the phone with them apparently they countered with a 25,000 loan even though i was just able to buy a house which makes little to no sense to me.
interesting. hopefully I dont run in to this. We have a combined income north of 400k, so I wouldn't think that would be an issue. Curious if buying the house some how affected the loan amount based on income/debt ratio perhaps (i had this issue when applying for my mortgage years ago)? Its been a long time since ive done a car loan.
this is a little concerning. there are a few people on here that are financing with them currently. Maybe they did not finance that much of the car?
edit: it looks like commasign on page 3 of this thread was qualified for 75000 off the bat. now im even more confused. I should get a call in the next day or two so hopefully this gets worked out quickly in case im ending up with another CU
edit: it looks like commasign on page 3 of this thread was qualified for 75000 off the bat. now im even more confused. I should get a call in the next day or two so hopefully this gets worked out quickly in case im ending up with another CU
yup i had a 797 with 120k income, i just got off the phone with alliant they approved me for 85%, she said shes gonna rework it and try and get me at least 90%, weird that they didnt approve me for a dollar amount but a % no matter the cost.
Well final offer is at 85% total price excluding taxes which I'm gonna have to deal with. But I do have a question about taxes how is that paid once I get the vehicle?
MarcG
Active Member
dweeks
Member
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