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Old October 9th, 2007, 07:37 AM   #1
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Default used car loans?

any one do them?

I don't belong to a CU, though that could be an option. Anyone have a recommendation?

Thanks
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Old October 9th, 2007, 07:39 AM   #2
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State farm bank does. see an insurance agent about it.
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Old October 9th, 2007, 07:44 AM   #3
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Credit Union One. Anyone can join.
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Old October 9th, 2007, 08:08 AM   #4
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Yeah. I do shit like that.
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Old October 9th, 2007, 08:10 AM   #5
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only if I buy that beat to shit truck from you.....
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Old October 9th, 2007, 08:16 AM   #6
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DFCU.org - Got a loan on my 96 truck in 2004, no problems. They also give me a 1/4 percent discount on interest for having the payment taken directly out of my account.
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Old October 9th, 2007, 08:32 AM   #7
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credit unions usually give lower interest rates than a bank, and if you pay more than the monthy due, it will come offthe principle.

but a credit union only reports to one credit bureau, so if your trying to build credit up then it may not be the best choice. but you could get fianced through a bank and refiance in a year or so at a credit union as long as you make your p[ayments on time to get lower interest, and also boost your credit score in all three bureaus through the bank reporting.

that happened to me when i bought my wrangler. i fianaced my cherokee through a credit union and i have one really good bureau score and the other 2 were not bad, but they were lower, but the lowest one is the only one that matters so i pay more interest at a bank now for my wrangler than i would have at a credit union, but its only a few percent more
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Old October 9th, 2007, 08:39 AM   #8
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We didn't use them, but out state farm insurance agency offers used car loans, and the big plus is that it gives free gap insurance if you need it.
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Old October 9th, 2007, 08:54 AM   #9
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I'm in the market for a new insurance agent too...but state farm won't do my boat
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Old October 9th, 2007, 09:03 AM   #10
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I would assume your bank does them.
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Old October 9th, 2007, 09:19 AM   #11
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Quote:
Originally Posted by Sol Goode View Post
I would assume your bank does them.
THey only go back 5 years. I made that same assumption....
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Old October 9th, 2007, 09:34 AM   #12
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http://www.capitalone.com/autoloans/
I have used them a couple times. Never had any complaints
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Old October 9th, 2007, 09:44 AM   #13
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Use Financial Plus or Security Federal for used car loans in Genesee County. Dort Federal is good as well. You qualify just by living in the county.
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Old October 9th, 2007, 09:54 AM   #14
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credit union

Mine does NADA value for the middle price range (good condition)... no year limit, sight unseen. They will do excellent condition if it is appraised.

or just take out a home improvement loan. It was only .45% higher APR than a used car loan, and that way you never have to give the bank the title for a lean.
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Old October 9th, 2007, 10:10 AM   #15
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Quote:
Originally Posted by UP_ROKTOY View Post
only if I buy that beat to shit truck from you.....
THAT was NOT a stipulation. I can get you an 04 King Ranch F250. Just talked to a friend of mine yesterday who wants to get rid of it.

KING RANCH That's hot.
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Old October 9th, 2007, 10:20 AM   #16
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Capitol One
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Old October 9th, 2007, 10:21 AM   #17
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I did my shit through Chase it was 4 years old but I still got 60 mo financing at 7.7%
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Old October 9th, 2007, 10:22 AM   #18
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Join a credit union, they will typically give you the best rate!

Did you find a buyer for your truck?
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Old October 9th, 2007, 10:24 AM   #19
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Quote:
Originally Posted by Quagmire View Post
I did my shit through Chase it was 4 years old but I still got 60 mo financing at 7.7%
I deal with chase every day they are usually the best Bank for competative rates. Another good choice and there is a new one very close to your casa
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Old October 9th, 2007, 10:28 AM   #20
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I do subprime car loans for a living, and I personally finance my stuff through a credit union (best rates and customer service). I use credit union one currently. PM me if you want to chat.
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