voip-ninja
Give me some sugar baby
Didn't see any options in Colorado - anyone have any success with Denver-area CU's?
Nope, that’s why I joined an out of state CU and then had LightStream beat the rate.
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Didn't see any options in Colorado - anyone have any success with Denver-area CU's?
Tesla Financing just quoted me 3.6% @ 72 months through U.S. Bank N.A
Most likely not, but check with them just in case.If I get a loan with Tesla Financing and decide to pay it back in full in a couple of months, will I pay penalties?
Some states prohibit prepayment penalties (Maryland prohibits for example)If I get a loan with Tesla Financing and decide to pay it back in full in a couple of months, will I pay penalties?
I went with these folks. Really great to work with.You should check out Allegacy on the spreadsheet, 2.29% for 66 months. To join, you just need to donate about $10 to their organization.
Just added ActorsFCU -- has amazing rates: Auto Loans - Actors FCU + there's an additional .25% reduction if you autodebit.
Might have significant loops though:
May require 10% of loan in a savings account, must open savings first, be a member of a listed organization, auto debit has .25% off basic rate, found free to join org: Songwriters Guild of America
Eligibility link: Who We Are - Actors FCU
Your 48 month loan could be 1.34% after auto debit
Just want to confirm what this user wrote. The 1.99% rate is nolonger available. Plus, my loan officer was extremely rude to my wife and I.Update on Aspire Federal Credit Union. I got financed at 1.99% 2 weeks ago. But, sorry to report that...I just emailed my contact there to see if it was a promotional rate or what. She just got back to me:
"Unfortunately, the rate has increased to 2.99% since you applied."
Just applied to join Allegacy CU, waiting on member number to finish up loan application. Total cost was $15 to join ($5 min deposit + $10 donation to association).
Going for the 2.74% / 72 months after Tesla Financing quoted me the same 3.6% / 72 months through US Bank.
For those who went with Allegacy, did they require a VIN up front during the loan application process? I got stuck trying to fill out the application, probably because membership hasn't been approved just yet, but noticed VIN didn't appear to be required.
I think that's a good ideaI'm thinking about changing lightstream's rate to the lowest 'easy' credit union rate and subtract it by .1% what do you guys think? It'll be more relevant for most people.
Most likely VIN isn't needed, it's too early.
I think that's a good idea
How long does it take Allegacy to get back to you once you apply? I'm getting anxious with the delivery around the corner.
How long does it take Allegacy to get back to you once you apply? I'm getting anxious with the delivery around the corner.
Done!
Thanks for all your efforts helping out buyers.
I think what you did with LS was the right move. There have been some unrealistic expectations around being able to get LS to match any random CU with a low loan rate.
Also, not sure you're aware, but at least a couple of people reported that LS refused to beat rate from CU that they had pre-approval with. This has always been hit or miss but it seems like LS is really tightening their criteria for their rate beat program, probably (my guess) as a direct result of the 1000's of loans coming in due to the surge in Model 3 sales.