Cheap Financing
Lexus Fanatic
Joined: Oct 2003
Posts: 94,521
Likes: 261
From: Virginia/D.C. suburbs
Not surprising. Those banking institutions who cater to the military often have lower rates...which, of course, are well-deserved. They sacrifice for the country, and deserve a break in return.
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CL Community Team
Joined: Feb 2007
Posts: 9,388
Likes: 621
From: IL
My local credit union offers 1.99% for 60 months:
https://www.dupagecu.com/all-rates/a...ates/#new-auto
There may be others with similar rates. Interestingly enough, they'll even do 2.29% for 60 months on a USED car.
https://www.dupagecu.com/all-rates/a...ates/#new-auto
There may be others with similar rates. Interestingly enough, they'll even do 2.29% for 60 months on a USED car.
Lexus Fanatic
Joined: May 2012
Posts: 68,838
Likes: 4,107
From: Maryland
Originally Posted by blacksc400
I thought LFS offers 1.9% once in a while?
Originally Posted by geko29
My local credit union offers 1.99% for 60 months:
https://www.dupagecu.com/all-rates/a...ates/#new-auto
There may be others with similar rates. Interestingly enough, they'll even do 2.29% for 60 months on a USED car.
https://www.dupagecu.com/all-rates/a...ates/#new-auto
There may be others with similar rates. Interestingly enough, they'll even do 2.29% for 60 months on a USED car.
Lexus Test Driver
Joined: Sep 2016
Posts: 8,578
Likes: 391
From: PA
Navy is 2.39% for 60 mos., which is 1/2 lower. I'm only getting 1.2% from my online bank so I'd prefer to buy outright depending on price. But if the car were 60k or 70k, I'd likely finance 20k at 36 mos for 1.99. It's timing, say if I had to have a LS500, maybe I would simply sell VMW shares (my doing so usually is your cue to load up), buy the car, and wash my hands and not look back. The not looking back is tough.
Lexus Fanatic
Joined: May 2012
Posts: 68,838
Likes: 4,107
From: Maryland
However, I have found at least USAA shafts their people on a regular basis. I have seen costs and rates and such that are astonishing from USAA.
Dysfunctional Veteran
Joined: Sep 2004
Posts: 8,103
Likes: 319
From: Van Alstyne, TX
USAA is very hit or miss. Auto insurance is awful. My homeowners is great though. 430k rebuild coverage, $500 deductibles (instead of 1%, 1.5% or even 2%), and awesome coverages including water damage from plumbing leaks and slab coverage for $110 a month ($1,320 a year).
But their auto insurance is asinine. Their financing rates on vehicles seem to be competitive, but mortgages are ludicrously high, not so much in interest but in closing costs.
My truck was financed at 2.75% with chrysler capital for 60 months. I refinanced it for 3 years last year and got 0.9% with USAA. My payment went up $40, but I save a bunch on interest and pay it off 18 months sooner. and really much sooner than that because the balance left is now way low.
But their auto insurance is asinine. Their financing rates on vehicles seem to be competitive, but mortgages are ludicrously high, not so much in interest but in closing costs.
My truck was financed at 2.75% with chrysler capital for 60 months. I refinanced it for 3 years last year and got 0.9% with USAA. My payment went up $40, but I save a bunch on interest and pay it off 18 months sooner. and really much sooner than that because the balance left is now way low.
Lexus Fanatic
Joined: May 2012
Posts: 68,838
Likes: 4,107
From: Maryland
See my experience is their homeowners rates are terrible. I see a lot of homeowners rates, $1,320 for a house of the value of your house is way high imho. At least it would be here.
Why do you need $435k rebuild coverage? It wouldn't cost that much to rebuild that house would it? Isn't the price you're paying in the $200k range, and that includes the land. Way over insured IMHO.
Why do you need $435k rebuild coverage? It wouldn't cost that much to rebuild that house would it? Isn't the price you're paying in the $200k range, and that includes the land. Way over insured IMHO.
See my experience is their homeowners rates are terrible. I see a lot of homeowners rates, $1,320 for a house of the value of your house is way high imho. At least it would be here.
Why do you need $435k rebuild coverage? It wouldn't cost that much to rebuild that house would it? Isn't the price you're paying in the $200k range, and that includes the land. Way over insured IMHO.
Why do you need $435k rebuild coverage? It wouldn't cost that much to rebuild that house would it? Isn't the price you're paying in the $200k range, and that includes the land. Way over insured IMHO.
I pay $1240 for $445K w/$1K ded.
Building costs are higher in the NYC metro area.
