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You can refinance your purchase. A lot of banks do it; go to bankofamerica.com they offer this option. You could also Google auto loan refinancing and you will see all the lenders available. Once you pick one call them to negotiate rate. You should try to get a r as te as close to the one offered to new car purchase.Here’s a question for all you smart financial peeps. I’m looking at doing a loan for ~$20k of the purchase. Being in Utah I often hear we don’t get a lot of warning prior to delivery. Sometimes days.
Is there a difference if I just pay cash for the car and then get a loan against it for $20k after the fact vs. first getting a loan setup with a large down payment? Does one method get me a better rate then the other? I’m pretty sure Tesla doesn’t do lending in Utah so that isn’t even an option.
84 months @1.99. .APLCU
Yes, only Howard County in MD can apply for it unless if you are family member of one of the existing customer at APLCU. ThI live in FL and can’t find anything for 84 months with that low Rate. Is their membership guidelines strict, any advice
Yes, only Howard County in MD can apply for it unless if you are family member of one of the existing customer at APLCU. Th
I am planning to try with PFCU Tomorrow. What is the eligibility criteria for SF FCU? If PFCU doesn't work, will try this route. If LightStream requires GAP insurance then I don't see a point with them though.I got this from SF FCU:
Amount requested: $ 50,000
Term: 47 Months
Interest Rate: 2.240%
Plan to use this approval with LightStream to get to 2.140%.
Is anybody getting a lower interest rate with a 47 or 48 months term? from where? Excellent credit score.
I am planning to try with PFCU Tomorrow. What is the eligibility criteria for SF FCU? If PFCU doesn't work, will try this route. If LightStream requires GAP insurance then I don't see a point with them though.
Got the great 1.99% rate from PFCU. I did not try to use their offer for Lightstream's Rate Beat program out of courtesy to the credit union who were very honest from the start (Lightstream initially offered me a ridiculous rate that was more than double of what I got from this CU) and have great customer service.
Furthermore, both CUs and Lightstream have gotten stricter on how they provide official documentation on loan offers and in approving requests for beating rates, so it's not worth the hassle just for that .10% savings. I also felt that it was always kinda unfair for these CUs who offer these great rates hoping to bring in business only to be used as leverage for other bigger bank's loan programs.
I just did a rate beat with Lightstream and all I had to do was forward them the pre approval email from SF FCU, they approved the new rate within an hour, and the cash was in my checking account the next morning. Very impressive service.
lol...Let's do it.Hello Cousin, thanks for letting me know about this loan. How close of a family member do we have to be? If cousin is not close enough I am happy to let you adopt me. Both my parents have passed so I do not think they will mind.
Looking at the recent complaints on the other thread about financing rates, you're lucky you still got it easy.
Exactly my thought. If PFCU works, I'll stay with them. I see you are located in CA, did you still have to become a member of the public library? If you did, how long did everything take? Any tips on who to contact at PFCU? Thanks!Got the great 1.99% rate from PFCU. I did not try to use their offer for Lightstream's Rate Beat program out of courtesy to the credit union who were very honest from the start (Lightstream initially offered me a ridiculous rate that was more than double of what I got from this CU) and have great customer service.
Furthermore, both CUs and Lightstream have gotten stricter on how they provide official documentation on loan offers and in approving requests for beating rates, so it's not worth the hassle just for that .10% savings. I also felt that it was always kinda unfair for these CUs who offer these great rates hoping to bring in business only to be used as leverage for other bigger bank's loan programs.
Once you have the initial approval email from LightStream, just reply to it and ask for a rate beat.How do I apply for the rate beat with lightsream? I don't see any way to submit documentation on the website...
Once you have the initial approval email from LightStream, just reply to it and ask for a rate beat.
Took about a day for me. Other people have gotten replies within a couple of hours.Any idea how long it takes for someone to reply? I shot an email about an hour and a half ago but haven't heard anything back. Honestly thats not unreasonable, I'm just getting very antsy since this is all last minute stuff
I am planning to try with PFCU Tomorrow. What is the eligibility criteria for SF FCU? If PFCU doesn't work, will try this route. If LightStream requires GAP insurance then I don't see a point with them though.