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Old 02-10-2019, 05:26 PM
  #1  
ryangambrill
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Awaiting PPI. Starting to research finance rates/terms.

Good Credit here @ 825+

Short List of places I plan on checking out:
- PenFed.org
- Lightstream
- nihfcu.org
- ffcommunity.com
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Old 02-10-2019, 05:49 PM
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Astraelraen
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Lightstream is easiest and you will have no lien on the title. They wire the money to you next day, you cut a check
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Old 02-10-2019, 06:26 PM
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+1 for Lightstream. Used them for my 06 and it couldnĺt have been easier.
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Old 02-10-2019, 07:06 PM
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I used DCU and got 1.something for 60 months.
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Old 02-10-2019, 07:07 PM
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ryangambrill
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Originally Posted by Skwerl View Post
I used DCU and got 1.something for 60 months.
What is DCU?
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Old 02-10-2019, 07:10 PM
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Skwerl
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I believe they're formerly known as Digital Credit Union. Based in Massachusetts.

http://www.dcu.org
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Old 02-10-2019, 07:12 PM
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ryangambrill
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Originally Posted by Skwerl View Post
I used DCU and got 1.something for 60 months.
I am looking at their rates. 4.25 - 6.75 depending on term.

When did did you get 1.something?
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Old 02-10-2019, 07:18 PM
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That was in 2016. I want to say it's 1.69 but I'd have to look. It's possible they've gone up since then.

Edit: Yeah, I just looked and see that their rates seem to have gone way up. Guess I had good timing.
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Old 02-10-2019, 07:27 PM
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shyamvenky
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+1 for PenFed - I purchased my current 997 using them early last year. Rates were around 2% I think.
I've used DCU as well before - very smooth to deal with.
I just checked PenFed's rates => things have gone way up in the last year!
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Old 02-10-2019, 07:28 PM
  #10  
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Great lakes Credit Union 3.49-3.99% with excellent credit.
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Old 02-10-2019, 09:39 PM
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Another one for Pen Fed. Their rate last year was over 1% lower than light stream. Process was simple and easy. Had the money in 3 days if I remember correctly. This is with an 800+ credit score. I will definitely go there again as it did not make sense to use my cash when theirs only cost me like 3.5%. My cash brings me in a lot more than that.
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Old 02-10-2019, 11:41 PM
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Chris M.
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Originally Posted by ryangambrill View Post
Awaiting PPI. Starting to research finance rates/terms.

Good Credit here @ 825+

Short List of places I plan on checking out:
- PenFed.org
- Lightstream
- nihfcu.org
- ffcommunity.com
What rates are you seeing?
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Old 02-10-2019, 11:44 PM
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minthral
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Really doubt you can get better than 4% today. I got 3% june 2018.
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Old 02-10-2019, 11:48 PM
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Default Lightstream

Lightstream is fantastic , itĺs a division of suntrust bank - all rates are high right now...
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Old 02-11-2019, 09:57 AM
  #15  
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+1 for Penfed, I've had several cars with them
+1 for Lightstream. Recently moved one car over to them at about 3.9%.. painless, money in my account the next day. they weren't interested in any details about the car at all.



I'd avoid DCU though. I've had a couple of cars with them. It's no problem if you don't need anything, but if you end up needing to call then be prepared to wait for hours, and the service is pretty far from that you'll get at Penfed.
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