subaru_styles Posted February 8, 2005 Share Posted February 8, 2005 just wondering what credit unions you used for your car loan?? best apr somewhere? Link to comment Share on other sites More sharing options...
GLCraig Posted February 8, 2005 Share Posted February 8, 2005 Well to get a loan from a credit union, you need to be a member of that credit union. Are you a member of one already? Anyway I got a letter from mine, Clackamas Community, offering 2.99% APR on a 24 month loan. Link to comment Share on other sites More sharing options...
bajavwnsoobnut Posted February 8, 2005 Share Posted February 8, 2005 well with portland teachers it's like 4.9% right now I think Link to comment Share on other sites More sharing options...
subaru_styles Posted February 8, 2005 Author Share Posted February 8, 2005 i remember in bend i took out a loan at mid oregon credit union....all i had to was deposit $5 to start an account Link to comment Share on other sites More sharing options...
lastchance Posted February 8, 2005 Share Posted February 8, 2005 People's Community Credit Union is rad. That's where I have my loan and checking/savings accounts. What do you plan on buying??? Link to comment Share on other sites More sharing options...
subaru_styles Posted February 8, 2005 Author Share Posted February 8, 2005 well if i told you then it wouldn't be a secret.. my insurance finally drops in 4 months Link to comment Share on other sites More sharing options...
lastchance Posted February 8, 2005 Share Posted February 8, 2005 Whoa whoa whoa...Why did you post this in the MEET-GREET section??? I'll find out, oh yes...I will find out... Link to comment Share on other sites More sharing options...
edrach Posted February 9, 2005 Share Posted February 9, 2005 Credit unions are just great. I just went through this yesterday. Took the paperwork from the car lot to the credit union in Seattle. Showed it to the guy and said I wanted a loan; how much would they authorize? 80% of book value he said. He looked up the book value of my proposed sale and it was high enough I could finance everything including sales tax and other incidental costs. I had options on how much and how long and settled on the full amount for 36 months at 4.4% with no pre-payment penalty. Twenty minutes later I was out of there with a check. Sure beats dealing with a bank! Link to comment Share on other sites More sharing options...
GLCraig Posted February 9, 2005 Share Posted February 9, 2005 Credit unions are just great. I just went through this yesterday. Took the paperwork from the car lot to the credit union in Seattle. Showed it to the guy and said I wanted a loan; how much would they authorize? 80% of book value he said. He looked up the book value of my proposed sale and it was high enough I could finance everything including sales tax and other incidental costs. I had options on how much and how long and settled on the full amount for 36 months at 4.4% with no pre-payment penalty. Twenty minutes later I was out of there with a check. Sure beats dealing with a bank! Basically that's how it was when I got the loan for my Legacy. The only stumbling block was that my legacy is a bit rare and not listed directly in the Kelley blue book or the NADA book, so I had to provide them a VIN number to do the search. Link to comment Share on other sites More sharing options...
edrach Posted February 9, 2005 Share Posted February 9, 2005 Besides the paperwork from the car lot I brought the autotrader ad (with VIN#) and also a carfax report. They didn't need any of that, but I had it with me just in case. Basically that's how it was when I got the loan for my Legacy. The only stumbling block was that my legacy is a bit rare and not listed directly in the Kelley blue book or the NADA book, so I had to provide them a VIN number to do the search. Link to comment Share on other sites More sharing options...
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