loan rates

[Jeepalady17]

What are you all getting as far as loan rates?? Every week I check and they are up again and not knowing when I will get my Jeep I am getting to a point where I may have to cancel because interest is too high.. Very depressing

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[Deleted member 59498]

Have you thought about getting pre-approval and locking something in? NFCU is good for 90 days. Is about 3.5 for 60 months right now.

 

[Jeepalady17]

Have you thought about getting pre-approval and locking something in? NFCU is good for 90 days. Is about 3.5 for 60 months right now.

 

[Jeepalady17]

Originally I did that with my credit union but it only lasted 30 daysand went from 2.9 to now 6.1 (and my credit score is 812) Go figure..Yes I guess I will have to look into some other places with no pre-payment penalty Thanks for the tip..I will certainly look into that

 

[Deleted member 59498]

Holy hell time for new CU!

 

[SH556JL]

DCU is offering 3.99% for 65 months right now… Was 1.99% with the 21, hopping I can do do better then 3.99% when my 23 comes in.

Not sure how long DCU lock is for. I won’t start loan shopping till my 23 is built; I can put about half down from my 21 if the rate is less then desirable.

 

[rscott91]

USAA is still at 3.99 for 72 months with a 45 day lock after pre-approval

 

[garyji]

NFCU at 3.79 for 60-72 months.

G.

 

[Jeepalady17]

Holy hell time for new CU!

No kidding,,, I thought it was highway robbery and so much for loyalty. been with then for 15 years and that's the best they could do??? I am definitely switching

 

[Jeepalady17]

NFCU at 3.79 for 60-72 months.

G.

Problem is I am not a veteran.. My family and I immigrated from Sweden. My husband was in the Swedish Air Force but alas that doesn't could here and I gies both USAA and NCFU you have to be US military

 

[LuvHydro]

Banks are evil, they truly are.

With an 800+ CS, assuming you aren't swimming in other debt, 6% is just ludicrous.

Like others have mentioned, 3.5-4% is probably more like it.

 

[Gatordog]

I got 2.99% last month when I bought my Jeep. Went with NFCU. 48 months.

 

[cripton805]

3.25 @ 72 months
2.95 @ 60 months

I bought on Aug. 17

I went with the 72 months and will do larger payments. Trying to keep my debt to income ratio low.

In Feb. I got a 2.5 @ 60 for another car.

Credit Score came in at 793

 

[SH556JL]

3.25 @ 72 months
2.95 @ 60 months

I bought on Aug. 17

I went with the 72 months and will do larger payments. Trying to keep my debt to income ratio low.

In Feb. I got a 2.5 @ 60 for another car.

Credit Score came in at 793

Who with? I would like to do under 3 for 60 or if Jeep would do another promotion at 0% for 36… I would take advantage of that this time.

 

[cripton805]

Who with? I would like to do under 3 for 60 or if Jeep would do another promotion at 0% for 36… I would take advantage of that this time.

It's a local credit union.
Sesloc Federal Credit Union in Central Coast CA

-They offer a .25 rate reduction with a credit card approval and bank account.
-Another .25 with auto payment

This gave me access to these rates.

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