Buying Used car - Financing Options

[real-brisker]

Anyone here have any experience, with financing a used car?
What do the rates range? What are the mo/yr options?
Any recommended financing brokers?

[Sport]

Anyone here have any experience, with financing a used car?
What do the rates range? What are the mo/yr options?
Any recommended financing brokers?

I went with DCU about a year ago they had the lowest rates- 1.99% up to 65 months.

[cozmohoot]

Plus one on DCU

[jackofall]

I have used Penfed. Lots of options.

[real-brisker]

I went with DCU about a year ago they had the lowest rates- 1.99% up to 65 months.

Applied online? - https://www.dcu.org/loans/auto-loans.html

Or through an agent?

[Sport]

Applied online? - https://www.dcu.org/loans/auto-loans.html

Or through an agent?

I called, I forgot why, think I had a question about their rates but ended up getting approved over the phone in under 10 minutes.

[real-brisker]

I called, I forgot why, think I had a question about their rates but ended up getting approved over the phone in under 10 minutes.

Thanks, how long from approval till you got the check?

[Sport]

Thanks, how long from approval till you got the check?

Iirc they'll overnight it. Was surprisingly a quick and  smooth process.

[real-brisker]

Thanks for help.

Iirc they'll overnight it. Was surprisingly a quick and  smooth process.

Great. Thanks

[cozmohoot]

I did it online and then called to finalize and they overnighted for $20

[Sport]

I did it online and then called to finalize and they overnighted for $20

Right now that sounds familiar.  You can try and get a refund on the overnight.  I think they gave me back $15. Its still sitting in my Dcu checking account

[real-brisker]

Right now that sounds familiar.  You can try and get a refund on the overnight.  I think they gave me back $15. Its still sitting in my Dcu checking account

You needed to open the dcu checking account?

[Sport]

You needed to open the dcu checking account?

I think so, its free and iirc they do it for you on the spot.

[whacked1]

I used DCU as well (only because thats what dealer recommended). You have to become a member (IINM its $5). I found the whole process to be a PIA. Maybe because I never did it before and expected smoother.

[real-brisker]

I used DCU as well (only because thats what dealer recommended). You have to become a member (IINM its $5). I found the whole process to be a PIA. Maybe because I never did it before and expected smoother.

Thanks for your feedback. You have any other recommendation?

[whacked1]

Thanks for your feedback. You have any other recommendation?

Dealer mentioned chase is fairly smooth. I dont know anything about it. DCU has/had the best rate (although looking back, the difference wasnt that much)