Big Dog
Active Member
fwiw: post 149 has the contact info for the Rep that brought FPCU to our attention. I plan on using him.
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Makes no sense. They are in the business of making loans and love free advertising and publicity.I asked for the rate and term in writing and they said no because they didn’t want me posting it in a forum or Reddit.
fwiw: post 149 has the contact info for the Rep that brought FPCU to our attention. I plan on using him.
Point Loma credit union has 1.5% 48 months.
I called them Friday. I should apply soon. 2% for 60 months as well if you can meet the cred reqPoint Loma credit union has 1.5% 48 months.
I called Ryan at FPCU in Irvine yesterday and submitted the requested information. It sounds like the 72m 1.99% promo had more to do with having a down payment or lower loan-to-value ratio. In any case, since I planned to put some money down, it didn’t appear to be an issue getting the promo rate. He did mention that the rates were going up 0.25% on Monday though.
But based on the past few posts about other reps at FPCU, definitely call Ryan. He’s the one that posted his info and even made me/us aware of FPCU. But most of all, he was quick and easy to work with. No weirdness about it.
Hello can you give me ryans contact?I locked a rate of 1.99% for 72 months with Ryan at FPCU yesterday. Great person to work with. You need a credit score of 730+ with TransUnion and 15% down to qualify for this rate. My Equifax score was 760 but looks like my TransUnion score was only 710. So I had to pull my wife in to co-sign to get the 1.99% rate.
For you Los Angeles residents, did your total with tax/registration come out to $61K (EAP/$1K paint)? Wondering if my guess amount is correct.
https://www.dmv.ca.gov/wasapp/FeeCalculatorWeb/newVehicleFees.do
Hello can you give me ryans contact?
I locked a rate of 1.99% for 72 months with Ryan at FPCU yesterday. Great person to work with. You need a credit score of 730+ with TransUnion and 15% down to qualify for this rate. My Equifax score was 760 but looks like my TransUnion score was only 710. So I had to pull my wife in to co-sign to get the 1.99% rate.
For you Los Angeles residents, did your total with tax/registration come out to $61K (EAP/$1K paint)? Wondering if my guess amount is correct.
https://www.dmv.ca.gov/wasapp/FeeCalculatorWeb/newVehicleFees.do
Hmm I called FPCU and was specifically told that they do not offer locked rates. The rate would be what it is based on time of delivery.
See if he will give you something in writing to that effect. See if he will give you the full terms in writing. I am curious if they are still being weird about not wanting to give stuff out in writing so it doesn’t wind up on a forum somewhere.Through Ryan I'm locked for 60 days like others mentioned here. We'll see when I take delivery.
Hello can you give me ryans contact?
My name is Ryan and I work for Financial Partners Credit Union in Irvine, CA. FPCU has great rates, great products, and great service! Please contact me to see if I can assist you!
Thanks. I came late to the thread so it was hard to find.
Through Ryan I'm locked for 60 days like others mentioned here. We'll see when I take delivery.
Their promo of 1.99% for 60 months I believe is going up today to 2.24%. I closed on my loan Saturday to lock the 1.99%. I was scheduled for delivery this Thursday anyway so timing was perfect. I asked to be considered for 72 months and they approved it at the same rate. 15% minimum down I believe is a strict requirement. They are really easy to work with. My loan rep is Alex Saldana.Fpcu refuses to give me 72 months because the car is electric. How did you get them to do 72 months??
As a word of warning:
I applied to Xceed Financial Credit Union (thanks to this thread and others). Like others have stated, they seemed very friendly and genuinely interested in the deluge of Tesla customers, but when they emailed me the paperwork to sign, they sent it to the wrong email address (despite having the correct email address noted in their paperwork). This paperwork included my SSN, address, license #, work address/location, etc.
Luckily, the actual recipient replied to them and copied me, otherwise I wouldn't have ever known. When I called them, they lied and said their message got sent back to them as undeliverable. I told them I knew what really happened because I was copied in the email that was returned to them, and their response was "Oh, sorry.".
Somehow I still can't help but feel a little bad due to how firendly the representative was on the phone, but this was a huge error (and subsequent lie) that has caused me to lose trust in Xceed, and has the potential to cause years of heartache if my SSN and other personal info is in the wrong hands, so I needed to share my experience with Xceed.
What are people in Los Angeles getting? With 50% down, BofA approved me for: 36 months for 2.69%, 48 months for 2.64%, 60 months for 2.79%, and 72 months for 3.04%.