Originally Posted by s182

How about half a percent + 1/10th of a percent lower? US Senate FCU approved me at 5.74% for 72 months
https://www.ussfcu.org/
Can become a member by joining American Consumer Council, which is free with info shown at https://www.ussfcu.org/about-us/membership/join-ussfcu

Originally Posted by Xxyion

Thanks! Looks like XCEL is the one to go with. Also thats a very easy join as all you need to do is be part of PCA which is easy to do. They also offer 5.99% for 72 months wihich is 25% under my current Credit Union.

Library of Congress CU is nuts though offering up to 114 months financing. but thats a lot harder to join as you need someone who works in government or is a vet.

Originally Posted by TXRubicon

FYI, US Senate FCU is 5.74 for 72. We use them for one of our cars and anyone can join for free if you follow the instructions.Lots of us have financed with them over the last 2 years because their rates consistently best everyone else and they're super easy to work with.

https://www.ussfcu.org/resources/rates/rates.html

Edit - someone beat me to it but yeah USSFCU rocks

Originally Posted by Xxyion

Thanks! Looks like XCEL is the one to go with. Also thats a very easy join as all you need to do is be part of PCA which is easy to do. They also offer 5.99% for 72 months wihich is 25% under my current Credit Union.

Library of Congress CU is nuts though offering up to 114 months financing. but thats a lot harder to join as you need someone who works in government or is a vet.

Originally Posted by Mojonito

penfed has 36 mos at 5.44, 72 mos at 5.89, 84 mos at 6.79
america1 has 6.24 up to 72 mos

Originally Posted by Mojonito

my local credit union has 5.15 up to 72 mos.

Should always check out locals.

Originally Posted by HelpMeHelpU

What is your local CU?

Originally Posted by HelpMeHelpU

It's a lot easier than you think; just look a little closer. I hear the rates are great there, too.

Originally Posted by Xxyion

For anyone local in California, Star One Credit Union is offering 5.98% interest for up to 84 months. And thats 5.98% at 84 months. They dont have the option to lower the APR when doing a shorter term though but its the lowest that i've found so far.

Originally Posted by Xxyion

For anyone local in California, Star One Credit Union is offering 5.98% interest for up to 84 months. And thats 5.98% at 84 months. They dont have the option to lower the APR when doing a shorter term though but its the lowest that i've found so far.

Originally Posted by gymdent

You’re going to be underwater for quite a few years so you’d better plan on keeping it for the long term or you’re going to owe money to get out of the car.