Best interest rates....where?

[Nemesis]

Hi guys. I am looking at hopefully pulling the trigger on ordering a 2013 Screw once I can convince the wife that I "need" a Raptor. She wants me to go test drive other trucks to do a comparison. She just doesn't get it.

So far I can get 2.89% on a new car loan at Chase putting $20-$25k down.
I can't seem to find anything better currently.
I know the rates, specials, and deals will probably be differnt once I actually take delivery of the truck near the end of the year, but can you guys point me in the direction of some banks/Credit Unions that you have found good interest rates and what they are?

Thanks

 

[Hockster]

That is where I just went through but, I couldnt get any better than 3.89% my credit score is only 745..

 

[mcasseba]

I used citzensbank, 6 yr 2.65% no money down. But there are alot of factors that go into it.

---------- Post added at 01:16 PM ---------- Previous post was at 01:15 PM ----------

Also, bought another car last week and got the same deal through PNC.

---------- Post added at 01:21 PM ---------- Previous post was at 01:16 PM ----------

Also, that is alot to put down. It can be better to put 10k down and pay the other 10K as a first payment. Payments will be higher, interest paid is the same, but you build a cusion of no payments for a year in case you get into a jam since they treat it as a future payment.

 

[ISFast]

Communications federal credit union has the best i know of 1.99 with account opened or 2.49 if you don't open anything. Place is really good!

Updated Rates | comfedcu.org


Fixed Rate Loans
Type of Loan Term APR With Reductions
Auto 2005-2013 48 mos 2.49% 1.99%*
Auto 2005-2013 60 mos 2.49% 1.99%*
Auto 2009-2013 72 mos 2.49% 1.99%*

Also they will refinance with no stupid charges which is awesome!!!

 

[RaptorWifey]

We went through PNC also, financed 40k at 2.5% for 5 years

 

[jrubin80]

My 2 cents. I am a finance manager @ a Ford Dealer here in Colorado. We use Capital One quite a bit. With that type of credit and decent equity, 60 months @ 1.99-2.5% and 48 months @ 1.3-1.7%. Example being my 2012 is @ Capital One, 720-735 for all scores, 30k down, 1.49% for 48 months.

 

[Baldwin09]

My 2 cents. I am a finance manager @ a Ford Dealer here in Colorado. We use Capital One quite a bit. With that type of credit and decent equity, 60 months @ 1.99-2.5% and 48 months @ 1.3-1.7%. Example being my 2012 is @ Capital One, 720-735 for all scores, 30k down, 1.49% for 48 months.

Where at?


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[jrubin80]

Capital One Auto Finance. Most dealers in Colorado are signed up with them, but that does not mean they all are. I can also help direct Colorado people to which credit unions are the lowest.

 

[Baldwin09]

Oh ok in Denver? What are your thoughts on bellco?


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[jrubin80]

Bellco's rates are good. If you are going over 60 months they are going to be some of the best. If you are over a 740 on any 1 bureau, they are 2.94 for up to 66 months and 3.19 for 72/75 months. Most dealers when it is Bellco are allowed to mark the rate up 1/2 point, which they may be willing to move on. If you are already a member, you can handle that upfront by calling them and getting preapproved. Also Security Service FCU is around the same rates and in my opinion has better service. Every dealer in the metro area has those credit unions at its disposal.