@A-B wrote:
@mtnbikeman wrote:
Shameless plug for Interior FCU. They refi'd me at 2.24% with scores not too far off from yours. Tier 1 for them is 1.99%... you should really call them.
Hey, @mtnbikeman. Are the auto refinance rates different than the auto purchase rates at Interior FCU? Assuming I'm looking at the correct website (https://www.interiorfcu.org/loans/vehicle-loans/), the auto rates are currently in the 5-7% range. Thanks!
@A-B sadly they raised their rates shortly after I made my comment.
@sccredit wrote:
@805orbust wrote:@Horseshoez dude I thought the same thing! I don't understand. Maybe it's only thru the dealers and not branches. TD is my bank as well for my businesses and "some" of our personal stuff. I'm about to see if they'll do an increase on the TD Cash but for now, just happy to have the car situation solved... LAWD
A couple months late BUT...TD Auto Finance is the old Chrysler FInancial from pre-2008 days. It was sold in BK and TD bought it. As far as I know they only write indirect (ie through dealers).
Interesting; I have deposit accounts with two banks and one credit union, two of those three also provide auto loans direct to the consumer; guess which one doesn't. 
APPROVING BANK: NFCU
BUREAU PULLED: TU
CREDIT SCORE: 754 (Auto9)
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: Florida
NEW/USED: Used (Certified PreOwned all factory warranties)
YEAR OF VEHICLE: 2022
MAKE: Ford
MODEL: Explorer ST (AWD)
MILEAGE: 3,215
FINANCE/LEASE: FINANCE
PURCHASE PRICE: $57,000
AMOUNT OF LOAN: $51,000
TERM CONTRACTED: 72 Months
APR/LEASE RATE: 6.84%
MONTHLY PAYMENT: $895
ANNUAL INCOME: $165,000
DEBT TO INCOME RATIO: ?
MISCELLANEOUS COMMENTARY: Car loan history wiped due to BK13, Navy approved me upto $66,000 they treated me right TU no longer has BK residue. I know 6.84% is not the best rate but my beloved modified Taurus SHO engine blew out w/$10K+ to fix it & after extensive debating decided to put $10K into a new car instead. I also included GAP insurance from NFCU for $300 and purchased Bumper-to-Bumper coverage upto 75,000 miles / 5yr for extra pice of mind. Ordered Borla Exhaust System S-Type w/black tips for the Explorer expecting it this weekend.
@Junejer wrote:APPROVING BANK: Genesis Finance
BUREAU PULLED: TU
CREDIT SCORE: 860/821SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: WI
NEW/USED: New
YEAR OF VEHICLE: 2023
MAKE: Genesis
MODEL: GV80 3.5T Prestige Signature
MILEAGE: 14
FINANCE/LEASE: FinancePURCHASE PRICE: $86,392 (including warranty, tax, title license, etc.)
AMOUNT OF LOAN: $62,686
TERM CONTRACTED: 60 Months
APR/LEASE RATE: 3.49%
MONTHLY PAYMENT: $1,141.74
ANNUAL INCOME: $475K
DEBT TO INCOME RATIO: 8%
MISCELLANEOUS COMMENTARY: Wanted to get back in with PenFed, so went to them first got approved for 60 months at 5.5% and some change, but obviously went with the lower rate.
Just paid this bad boy off!
Starting Score: 469
APPROVING BANK: Navy Federal Credit Union
BUREAU PULLED: EX
CREDIT SCORE: 655
SOFT PULL/HARD PULL: HP
CUSTOMER STATE OF RESIDENCE: CA
NEW/USED: Gold Certified Pre-Owned
YEAR OF VEHICLE: 2022
MAKE: Ford
MODEL: F150 Lightning Lariat
MILEAGE: 4311
FINANCE/LEASE: Finance
PURCHASE PRICE: $86,347 (including taxes, fees, etc)
AMOUNT OF LOAN: $75,399
TERM CONTRACTED: 84 Months
APR/LEASE RATE: 7.64%
MONTHLY PAYMENT: $1,165
ANNUAL INCOME: $495K
DEBT TO INCOME RATIO: 11%
MISCELLANEOUS COMMENTARY: No promotional financing offered by Ford Motor Credit on Lightning. Navy Federal offers GAP coverage for $399 premium paid in advance.
