Jeremy Hazeltine

c5z06

Check out lightspeed

Quadcammer

Im guessing the above poster meant lightstream

PaulStewart

Home equity credit line?

devioustrap

Easy. Penfed. Anything under 100k miles, they'll finance at regular used car rates.

Just apply right now for any dollar amount you want. They'll mail you a blank check you can use up to that limit. It's really that easy, used them for every car I've bought.

Fined

+1 for Penfed. Had nothing but smooth transactions dealing with them. Got pretty good interest rates too.

Redhot2474

linderpat

I use Lightstream. Very easy, and no title security for the loan. Essentially a low rate, unsecured loan.

captainbaker

Lightstream. When I was going to finance, I sent in the numbers and they gave me the best APR around. Ended up paying cash, but they won my business. I was actually surprised when they came back and said, 'you dont need to send in a title as we will fund the loan without it.'

Its the online division of SunTrust.

Hula

Another vote for Lightstream. It's a personal loan. You need to have an excellent credit rating and schedule payments with automatic withdrawal.

shyamvenky

+1 for PenFed, I think for older cars their rates were lower than LightStream. I just used them.
Everything can be done online starting from scratch with a turnaround of 2 days - they can FedEx the preapproval draft + cheques.
Phone support is also pretty good and they're available until 8 ET.

Bruce In Philly

+1 Usually the cheapest particularly because it becomes (or is) a mortgage deduction on your taxes making the interest rate even lower. I generally have a $0 cash strategy fully investing all my cash. When I need a chunk, I hammer my home equity line and then aggressively pay it down... all new cash goes 100% to home equity line. Then when home equity line is 0, cash goes straight into investments again. With interest rates as they've been compared to equity returns, I probably should max my equity line and invest... but I don;t like that kind of risk.

Peace
Bruce in Philly

DesmoSD

Another one for PenFed. They were a little lower then NavyFed and recently adjusted the APR for the 60 and 72 months right before I applied; not a big deal.

Their website is very outdated and I thought I could get a 72 month locked in that rate. It turns out that their 72 month used car loan only qualifies for vehicles 5 yrs old and newer. Other than that, it's been a smooth process.

Quadcammer

heloc interest no longer tax deductible as I understand the new tax plan.

voodoo

I just used Penfed for an 06 S and it was quick and easy.