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Who has the best finance rates right now?

Discussion in 'Texas' started by Zaphod, Sep 19, 2018.

  1. Zaphod

    Zaphod Galaxy President (former)

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    Austin, TX
    Will be taking delivery in the coming weeks so need to start researching financing. Who has the best rates for 60, 66, or 72 months? I seem to recall lots of people touting RBFCU in the past, but their rates don't seem to be the best currently. Thanks!
     
  2. Firewired

    Firewired Member

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    United Texas offers 2.64 for 60 if you get their gap.
     
  3. rideincircles

    rideincircles Member

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    Just got approved for CUTX yesterday. 1.99% for 72 months and the loan is good for 60 days. You won't find it any lower and should be open to all Texas residents. Rates should go up next week since the fed meeting is going down on the 25th and 26th. I applied over the phone and got approved the same day. Do it this week if you want to lock that in. I am giving myself another month before ordering to knock off a little more on my car payments.

    There is already a few threads for this, so check through the pages for new posts when possible. Texas hold up is about delivery times also.
     
    • Like x 1
  4. Zaphod

    Zaphod Galaxy President (former)

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    Thanks for the info. I did check for prior threads, but most seemed older and I know the "Texas hold-up" one also has financing and delivery stuff, but thought it would be better to have one specifically for recent financing instead of having to wade through many pages of that one. My apologies if you and others feel this thread was redundant.
     
  5. rideincircles

    rideincircles Member

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    No worries. I forgot which thread I posted in about it to get that info. Was about to update that, but this should be fine since it is now up to date. Saul Good Man.

    I am a rookie here still, but have been on way too many forums over the years.

    Otherwise I was about to post that information somewhere.
     
  6. Firewired

    Firewired Member

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    Can you join CUTX if you are not in Dallas?
     
  7. Shaggy

    Shaggy Member

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    Remember, your mileage may vary. Loan to value (down payment, etc), credit score, the loaner's amount of car laons that month, price of the car, and the secret stuff

    RBFCU & UFCU had great rates in Austin, but your area my be different (westlake, round rock, georgetown). I'd start with credit unions over banks as a bank has overhead and profit motives in excess of a credit union.
     
  8. rideincircles

    rideincircles Member

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    #8 rideincircles, Sep 20, 2018
    Last edited: Sep 20, 2018
    Yeah. I think it is available to all Texans. I am in Fort Worth and I saw someone else post about getting that rate in Austin.

    I just convinced my friend in Austin to apply and get hers before the end of the year for the tax credit.

    Also, it sounds like GAP insurance will be somewhere below $500 based on another thread. It was mentioned to be $455 for a $58k loan.
     
  9. Shaggy

    Shaggy Member

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    It used to be more restricted on who could join a credit union. Now just about every just has you pay a small $5-$25 fee and boom you're a member. It's easy to join just check their web sites.
     
  10. Firewired

    Firewired Member

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    Wow, I am impressed. I was able to join and get 1.99% for 72 months as well.
     
  11. paco878

    paco878 Member

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    Location:
    Round Rock, Texas
    Our loan is through UFCU, 66mo @2.75% w/$300 GAP. We went talked to RBFCU, but they didn't seem interested in answering the questions we had about the loan.

    USAA is our Ins Provider, $1084/yr.
     
  12. rideincircles

    rideincircles Member

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    The rates just went up .25% after the Fed meeting. Considering I will be on vacation after December 15th until 2019, its about time to pull the trigger.
     
    • Informative x 1
  13. rideincircles

    rideincircles Member

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    #13 rideincircles, Oct 1, 2018
    Last edited: Oct 1, 2018
    Still getting a few things together for mine. One question. What are all the costs for the base version with autopilot?
    $54k plus $1200 delivery I assume all gets 1.0625% tax which puts it at $58650. How much is license and registration costs? Is there anything else to worry about after that on expenses? I am still debating on black or blue, but wish silver was still available.

    Also, are there any other add-ons when ordering like the service plan or an extended warranty? What do those run? Just calculating all the potential total costs.
     
  14. rideincircles

    rideincircles Member

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    It sounds like GAP is $455 for CUTX and registration and document costs are around $350. I was told that registration fees come out of the reservation payment.
     
  15. rideincircles

    rideincircles Member

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    It sounds like cheap rates from CUTX are no longer available. only 2.49 for 24 months was what was reported.
     
  16. SP_H

    SP_H Member

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    Location:
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    Hello DFW family,
    Just want to ask you guys for finance rates update. I just called CUTX and their rate at 2.4% for 24 months. I just want to ask what other options is out there in DFW area. Thank you.
     
  17. Eximius

    Eximius New Member

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    Location:
    Houston
    I can't find better rates (that i'm eligible in the TX area) myself.
    CUTX: 4.29%
    ACU: 4.49%
    Local bank at 5^
    I tried out-of-state since I have relative in Cali and is member of CaliCU and I got approved at CaliCU at 3.39%. For me, that's the lowest I can get atm.

    All these with excellent credit.
     
  18. rideincircles

    rideincircles Member

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    • Like x 1
  19. SP_H

    SP_H Member

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    Dallas
    I've called American Airlines Credit Union (CU), they say you have to be an employee there to get a cheaper rate.

    So these are some CU rates that I've found online if anyone interested.
    Texas Health Resources Credit Union 2.5% for 60 months, but you have to open a checking account with $20 deposit and one time $25 application fee.
    City Credit CU 1.99% for 36 months, not sure of the terms for that.
    TDECU 2.99% for 48 months
    Lone Start CU 2.75%, no info on term
    Neiman Marcus CU 1.90%, for employee
    Baptist CU 2.5%, for members I believe
    Those are the one I've found. Hope that help.
     
    • Helpful x 1
    • Like x 1
  20. azmhtx

    azmhtx New Member

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    May 25, 2019
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    Location:
    Houston, TX
    Hi,

    Anyone have any current CU rates or experience for texas?
     

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