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So tell me, XO: what website to shop for a car loan?

800+ credit score
wild startling masturbator box office
  04/19/18
Eh just do penfed or some credit union you like
gaped forum
  04/19/18
I'm not a member of any credit union
wild startling masturbator box office
  04/19/18
Penfed or Alliant cost like $5 to join.
gaped forum
  04/19/18
New or used? With new cars I've never been able to get a bet...
alcoholic tantric nowag fat ankles
  04/19/18
New. What is an Acceptance Corps?
wild startling masturbator box office
  04/19/18
The banks associated with each manufacturer, e.g., Toyota Fi...
alcoholic tantric nowag fat ankles
  04/19/18
oh I've always heard them called "captive finance corpo...
wild startling masturbator box office
  04/19/18
What I do is negotiate price with my own financing, then at ...
alcoholic tantric nowag fat ankles
  04/19/18
Peace Corps but for Fat Acceptance
Bistre giraffe
  04/19/18
This is true when they are running a finance promotion. ...
passionate space
  04/19/18
even with used they will bend over backwards to sell good cr...
galvanic theatre
  04/19/18
just like, from the dealer? did you walk into the dealership...
wild startling masturbator box office
  04/19/18
This (i.e., lucrative financing from the manufacturer) is es...
passionate space
  04/19/18
i walked into the dealership, negotiated for the used car i ...
galvanic theatre
  04/20/18
PROLE TELL
cocky boistinker partner
  04/19/18
...
gaped forum
  04/19/18
...
Bistre giraffe
  04/19/18
...
laughsome casino
  04/19/18
My goal is to be a cash buyer from the dealer's perspective,...
wild startling masturbator box office
  04/19/18
credit union bro
Exhilarant Site Gaming Laptop
  04/19/18
I've never interacted with a credit union. How does this eve...
wild startling masturbator box office
  04/19/18
it's basically just a smaller, friendly version of a bank ...
Dashing buff immigrant knife
  04/19/18
LJL at debtcucks
Razzmatazz Whorehouse
  04/19/18
rates have gone up since I last bought. Pen Fed right now i...
Dashing buff immigrant knife
  04/19/18
can you basically assume that the rate Pen Fed is offering i...
wild startling masturbator box office
  04/19/18
they are pretty low, but I can't say there isn't any bank/cr...
Dashing buff immigrant knife
  04/20/18
...
wild startling masturbator box office
  04/20/18
Honda CRV = Credit Repair Vehicle?
Brass buck-toothed locale
  04/21/18


Poast new message in this thread



Reply Favorite

Date: April 19th, 2018 4:07 PM
Author: wild startling masturbator box office

800+ credit score

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876186)



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Date: April 19th, 2018 4:08 PM
Author: gaped forum

Eh just do penfed or some credit union you like

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876194)



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Date: April 19th, 2018 4:09 PM
Author: wild startling masturbator box office

I'm not a member of any credit union

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876202)



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Date: April 19th, 2018 4:09 PM
Author: gaped forum

Penfed or Alliant cost like $5 to join.

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876211)



Reply Favorite

Date: April 19th, 2018 4:09 PM
Author: alcoholic tantric nowag fat ankles

New or used? With new cars I've never been able to get a better rate than what the Acceptance Corps offer.

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876201)



Reply Favorite

Date: April 19th, 2018 4:09 PM
Author: wild startling masturbator box office

New. What is an Acceptance Corps?

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876207)



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Date: April 19th, 2018 4:14 PM
Author: alcoholic tantric nowag fat ankles

The banks associated with each manufacturer, e.g., Toyota Financial, GM Financial, Nissan Motor Acceptance Corp. They usually offer below market rates to push sales of their parent company's models.

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876239)



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Date: April 19th, 2018 4:15 PM
Author: wild startling masturbator box office

oh I've always heard them called "captive finance corporations"

How do I get a quote from them? Or do I have to get from a dealer?

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876250)



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Date: April 19th, 2018 4:17 PM
Author: alcoholic tantric nowag fat ankles

What I do is negotiate price with my own financing, then at the end say I'll do dealer financing if they can beat my rate from the credit union.

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876271)



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Date: April 19th, 2018 4:14 PM
Author: Bistre giraffe

Peace Corps but for Fat Acceptance

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876243)



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Date: April 19th, 2018 4:18 PM
Author: passionate space

This is true when they are running a finance promotion.

When no such promotion is taking place, you can often get a better loan through non-affiliated banks. This is true even if some other promotion (e.g., cash back offer) is contingent upon using the captive finance company. Every dealer I have worked with would finance the car through the captive finance company, then refinance it with the institution offer the lowest rate.

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876279)



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Date: April 19th, 2018 4:19 PM
Author: galvanic theatre

even with used they will bend over backwards to sell good creditmos cars. i got 0 down, 0 interest from toyota on a used car.

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876284)



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Date: April 19th, 2018 4:20 PM
Author: wild startling masturbator box office

just like, from the dealer? did you walk into the dealership with anything else lined up?

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876289)



Reply Favorite

Date: April 19th, 2018 4:21 PM
Author: passionate space

This (i.e., lucrative financing from the manufacturer) is especially prevalent with "certified" used cars.

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876294)



Reply Favorite

Date: April 20th, 2018 4:08 PM
Author: galvanic theatre

i walked into the dealership, negotiated for the used car i wanted, pulled out my checkbook to buy it outright, and the dealer said "they're offering you 0 down/0 interest for three years, you want that instead?"

i also had quotes from other lenders at 1-1.5% for 5 years, but didn't even bother bringing them up.

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35883351)



Reply Favorite

Date: April 19th, 2018 4:13 PM
Author: cocky boistinker partner

PROLE TELL

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876237)



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Date: April 19th, 2018 4:14 PM
Author: gaped forum



(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876240)



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Date: April 19th, 2018 4:14 PM
Author: Bistre giraffe



(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876246)



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Date: April 19th, 2018 4:15 PM
Author: laughsome casino



(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876256)



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Date: April 19th, 2018 4:16 PM
Author: wild startling masturbator box office

My goal is to be a cash buyer from the dealer's perspective, i.e. have financing lined up before I walk into the dealership so the dealer doesn't waste my time or try to obfuscate anything by discussing financing terms. With the dealer I want to negotiate sales price alone.

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876265)



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Date: April 19th, 2018 4:16 PM
Author: Exhilarant Site Gaming Laptop

credit union bro

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876261)



Reply Favorite

Date: April 19th, 2018 4:16 PM
Author: wild startling masturbator box office

I've never interacted with a credit union. How does this even work?

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876268)



Reply Favorite

Date: April 19th, 2018 9:17 PM
Author: Dashing buff immigrant knife

it's basically just a smaller, friendly version of a bank

Usually, you need some affiliation with a certain group to join a credit union

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35877907)



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Date: April 19th, 2018 4:22 PM
Author: Razzmatazz Whorehouse

LJL at debtcucks

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35876302)



Reply Favorite

Date: April 19th, 2018 9:18 PM
Author: Dashing buff immigrant knife

rates have gone up since I last bought. Pen Fed right now is advertising 2.49% - I got like 1.25% on my last car loan from them

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35877917)



Reply Favorite

Date: April 19th, 2018 9:39 PM
Author: wild startling masturbator box office

can you basically assume that the rate Pen Fed is offering is the lowest? are they the low cost leader?

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35878031)



Reply Favorite

Date: April 20th, 2018 2:52 PM
Author: Dashing buff immigrant knife

they are pretty low, but I can't say there isn't any bank/cred union lower than them and you may be offered lower through a car makers finance company (e.g. honda finance). The thing is, when you get a great rate through the dealer, you're really just buying down the rate, but it's not like you can look to your dealer and say cut off another $500 and I'll pay you cash. It's fucked up - the dealership would prefer you finance than pay cash.

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35882748)



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Date: April 20th, 2018 4:08 PM
Author: wild startling masturbator box office



(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35883353)



Reply Favorite

Date: April 21st, 2018 5:10 PM
Author: Brass buck-toothed locale

Honda CRV = Credit Repair Vehicle?

(http://www.autoadmit.com/thread.php?thread_id=3954069&forum_id=2#35889913)