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Forums46
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Feb 12th, 2024
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 Vehicle Financing
#7554251
07/11/19 10:22 PM
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Joined: Jul 2007
Posts: 35,123
Brother in-law
OP
THF Celebrity
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OP
THF Celebrity
Joined: Jul 2007
Posts: 35,123 |
Anybody in the know on which bank or credit union has the best rates?
Recent, not what deal you got in 1976
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Re: Vehicle Financing
[Re: Brother in-law]
#7554252
07/11/19 10:23 PM
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Joined: Jan 2012
Posts: 29,128
TXHOGSLAYER
THF Celebrity
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THF Celebrity
Joined: Jan 2012
Posts: 29,128 |
Sorry, haven't done that in a long time.
LETS GO BRANDON
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Re: Vehicle Financing
[Re: Brother in-law]
#7554255
07/11/19 10:25 PM
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Joined: Feb 2010
Posts: 7,250
jhenderson
THF Trophy Hunter
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THF Trophy Hunter
Joined: Feb 2010
Posts: 7,250 |
If buying new seems they have had the best rates lately. Pick your manufacturer and see what they are offering. Haven’t used a credit union in a while but Denton teachers was always very competitive.
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Re: Vehicle Financing
[Re: Brother in-law]
#7554262
07/11/19 10:33 PM
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Joined: Feb 2010
Posts: 11,658
GusWayne
THF Celebrity
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THF Celebrity
Joined: Feb 2010
Posts: 11,658 |
DATCU is about 4 percent for new or near new
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Re: Vehicle Financing
[Re: Brother in-law]
#7554275
07/11/19 10:49 PM
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Joined: Nov 2005
Posts: 10,636
Greg
THF Celebrity
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THF Celebrity
Joined: Nov 2005
Posts: 10,636 |
I’ve used Texans credit union in the past.
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Re: Vehicle Financing
[Re: Brother in-law]
#7554276
07/11/19 10:51 PM
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Joined: Sep 2010
Posts: 7,133
SR025
THF Trophy Hunter
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THF Trophy Hunter
Joined: Sep 2010
Posts: 7,133 |
If new, dealer/manufacturer. I have a car financed with DATCU, the rate is good but their online services are severely lacking. Definitely wouldn’t use them again.
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Re: Vehicle Financing
[Re: Brother in-law]
#7554290
07/11/19 11:05 PM
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Joined: Nov 2009
Posts: 91,416
bill oxner
THF Celebrity
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THF Celebrity
Joined: Nov 2009
Posts: 91,416 |
Only cash for me. Sorry I can't help.
Quail hunting is like walking into, and out of a beautiful painting all day long. Gene Hill ![[Linked Image]](https://texashuntingforum.com/forum/pics/usergals/2017/07/full-3669-105539-full_16668_105507_image.jpg)
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Re: Vehicle Financing
[Re: Brother in-law]
#7554296
07/11/19 11:10 PM
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Joined: Jan 2010
Posts: 4,006
Stevarino
Extreme Tracker
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Extreme Tracker
Joined: Jan 2010
Posts: 4,006 |
I use pentagon federal credit union and they’re offering 2.49 up to 36 months and 3.49 up to 60
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Re: Vehicle Financing
[Re: bill oxner]
#7554297
07/11/19 11:11 PM
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Joined: Sep 2010
Posts: 7,133
SR025
THF Trophy Hunter
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THF Trophy Hunter
Joined: Sep 2010
Posts: 7,133 |
Only cash for me. Sorry I can't help. Humble brag
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Re: Vehicle Financing
[Re: bill oxner]
#7554298
07/11/19 11:11 PM
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Joined: Feb 2010
Posts: 11,658
GusWayne
THF Celebrity
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THF Celebrity
Joined: Feb 2010
Posts: 11,658 |
Only cash for me. Sorry I can't help. Lol Nice one upper Bill
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Re: Vehicle Financing
[Re: bill oxner]
#7554303
07/11/19 11:20 PM
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Joined: Jun 2011
Posts: 33,946
Buzzsaw
THF Celebrity
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THF Celebrity
Joined: Jun 2011
Posts: 33,946 |
Only cash for me. Sorry I can't help. what took you so long?
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Re: Vehicle Financing
[Re: Brother in-law]
#7554311
07/11/19 11:27 PM
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Joined: Jun 2015
Posts: 18,701
Roll-Tide
THF Celebrity
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THF Celebrity
Joined: Jun 2015
Posts: 18,701 |
City Credit Union has been good on cars. Not for banking.
1.99 for 36 months.
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Re: Vehicle Financing
[Re: Brother in-law]
#7554320
07/11/19 11:40 PM
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Joined: Dec 2005
Posts: 6,234
Chickenman
Extremely Right Wing
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Extremely Right Wing
Joined: Dec 2005
Posts: 6,234 |
2.5% from Lending Tree personal loan.
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Re: Vehicle Financing
[Re: Brother in-law]
#7554321
07/11/19 11:41 PM
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Joined: Apr 2005
Posts: 43,903
Stub
THF Celebrity
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THF Celebrity
Joined: Apr 2005
Posts: 43,903 |
New or used car? I have seen CU do 1.9 on a used 2019 with low miles they considered it a new car. So far as Used cars Randolph Brooks has been hard to beat.
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Re: Vehicle Financing
[Re: bill oxner]
#7554336
07/12/19 12:10 AM
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Joined: Dec 2005
Posts: 35,489
Guy
THF Celebrity
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THF Celebrity
Joined: Dec 2005
Posts: 35,489 |
Only cash for me. Sorry I can't help. Cash is a good way to go for those that lack budget discipline, but financially, not really the best move. I got a new truck 2015, got 1.99% financing at Intouch Credit Union. I could have paid cash, but why use cash to save 1.99% when you can invest it and earn much much more.
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Re: Vehicle Financing
[Re: bill oxner]
#7554337
07/12/19 12:10 AM
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Joined: Jul 2008
Posts: 21,617
pegasaurus
THF Celebrity
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THF Celebrity
Joined: Jul 2008
Posts: 21,617 |
Only cash for me. Sorry I can't help. Abother quality post. 
Funny thing about getting older:
Your eyesight starts getting weaker but your ability to
see through people's BS gets much better.
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Re: Vehicle Financing
[Re: Brother in-law]
#7554343
07/12/19 12:15 AM
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Joined: Jan 2010
Posts: 1,440
Shotgun Willie
Pro Tracker
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Pro Tracker
Joined: Jan 2010
Posts: 1,440 |
The dealer will make a better deal if you finance through them during the purchase. Then you can refi through a credit union later to get a better rate. The dealer will sometimes ask that you not refi for X amount of months, but they can't force you not to.
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Re: Vehicle Financing
[Re: Brother in-law]
#7554389
07/12/19 01:31 AM
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Joined: Jul 2008
Posts: 6,439
Chopped54
THF Trophy Hunter
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THF Trophy Hunter
Joined: Jul 2008
Posts: 6,439 |
I got 2% on wife's SUV and 2.9% on my truck, both through Wells Fargo. Had to request the dealership to quote them as directly through them was much higher.
Wealth is of the heart and mind and not of the pocket
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Re: Vehicle Financing
[Re: Guy]
#7554418
07/12/19 02:24 AM
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Joined: Aug 2009
Posts: 22,716
BigPig
THF Celebrity
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THF Celebrity
Joined: Aug 2009
Posts: 22,716 |
Only cash for me. Sorry I can't help. Cash is a good way to go for those that lack budget discipline, but financially, not really the best move. I got a new truck 2015, got 1.99% financing at Intouch Credit Union. I could have paid cash, but why use cash to save 1.99% when you can invest it and earn much much more. We considered paying cash for the wife’s new ride. It boiled down to the fact that taking $50,000 out of our funds to save $800 a month wasn’t a good move considering that account is earning 22% right now. With today’s low interest rates for financing and high rates for investments, it doesn’t make any since to take money out of investments to save what little interest you spend on the vehicle loan.
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Re: Vehicle Financing
[Re: Brother in-law]
#7554430
07/12/19 02:33 AM
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Joined: Sep 2009
Posts: 18,946
ChadTRG42
THF Celebrity
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THF Celebrity
Joined: Sep 2009
Posts: 18,946 |
I just bought a new Dodge, and Texans Credit Union was 3.25% 2 weeks ago for 36+ months. The dealership was higher than that. I didn't use either.
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Re: Vehicle Financing
[Re: Brother in-law]
#7554438
07/12/19 02:46 AM
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Joined: Aug 2016
Posts: 8,314
Herbie Hancock
THF Trophy Hunter
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THF Trophy Hunter
Joined: Aug 2016
Posts: 8,314 |
June 2018 we got 0% through ford, doubt that deal is still going a year later.
It takes beer to make thirst worthwhile - J. Fred Schmidt
The internet is an I.Q. Test, people post their scores in the comment section.
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Re: Vehicle Financing
[Re: BigPig]
#7554446
07/12/19 03:00 AM
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Joined: Oct 2008
Posts: 16,770
68rustbucket
THF Celebrity
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THF Celebrity
Joined: Oct 2008
Posts: 16,770 |
Only cash for me. Sorry I can't help. Cash is a good way to go for those that lack budget discipline, but financially, not really the best move. I got a new truck 2015, got 1.99% financing at Intouch Credit Union. I could have paid cash, but why use cash to save 1.99% when you can invest it and earn much much more. We considered paying cash for the wife’s new ride. It boiled down to the fact that taking $50,000 out of our funds to save $800 a month wasn’t a good move considering that account is earning 22% right now. With today’s low interest rates for financing and high rates for investments, it doesn’t make any since to take money out of investments to save what little interest you spend on the vehicle loan. How about sharing some info on the account that’s earning 22%
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Re: Vehicle Financing
[Re: Brother in-law]
#7554451
07/12/19 03:16 AM
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Joined: Jul 2007
Posts: 35,123
Brother in-law
OP
THF Celebrity
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OP
THF Celebrity
Joined: Jul 2007
Posts: 35,123 |
I’ll check out some of these leads or I’ll pass the advice on to the spousal unit
Unfortunately I’m not baller or one upper enough to Dave Ramsey it
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Re: Vehicle Financing
[Re: 68rustbucket]
#7554468
07/12/19 03:54 AM
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Joined: Aug 2009
Posts: 22,716
BigPig
THF Celebrity
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THF Celebrity
Joined: Aug 2009
Posts: 22,716 |
Only cash for me. Sorry I can't help. Cash is a good way to go for those that lack budget discipline, but financially, not really the best move. I got a new truck 2015, got 1.99% financing at Intouch Credit Union. I could have paid cash, but why use cash to save 1.99% when you can invest it and earn much much more. We considered paying cash for the wife’s new ride. It boiled down to the fact that taking $50,000 out of our funds to save $800 a month wasn’t a good move considering that account is earning 22% right now. With today’s low interest rates for financing and high rates for investments, it doesn’t make any since to take money out of investments to save what little interest you spend on the vehicle loan. How about sharing some info on the account that’s earning 22% Just my mutual funds. It’s a high risk account. My 401k is earning 17% YTD. I know it won’t last forever, but got to get it while it’s hot.
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