# anyone work at a bank? **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [May 21, 2007, 8:33am UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615 "2007-05-21T08:33:37Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![AShort](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ashort/32/4947_2.png) [@AShort](https://forums.speedlife.net/u/AShort)\ **Post date:** [May 21, 2007, 8:33am UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/1 "2007-05-21T08:33:37Z")
well i need a loan for a car, i totalled mine and im broke and need a car asap, can anyone help me out? ---
**Author:** ![ryanmcell](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ryanmcell/32/7510_2.png) [@ryanmcell](https://forums.speedlife.net/u/ryanmcell)\ **Post date:** [May 21, 2007, 8:36am UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/2 "2007-05-21T08:36:36Z")
broke + getting car loan isnt good. Unless you have a job… Brett (redrum) works at a bank but I don’t believe in the loan office. ---
**Author:** ![Avatar](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/avatar/32/5076_2.png) [@Avatar](https://forums.speedlife.net/u/Avatar)\ **Post date:** [May 21, 2007, 8:36am UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/3 "2007-05-21T08:36:55Z")
I work at a bank, but I don’t do loans. I would go to HSBC. They always give me the best rates. They even beat my M&T rate and I get a special employee rate. :wtf: ---
**Author:** ![AShort](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ashort/32/4947_2.png) [@AShort](https://forums.speedlife.net/u/AShort)\ **Post date:** [May 21, 2007, 8:39am UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/4 "2007-05-21T08:39:13Z")
[quote=“ryanmcell,post:2,topic:29615"”] broke + getting car loan isnt good. Unless you have a job… Brett (redrum) works at a bank but I don’t believe in the loan office. [/quote] lol i have a job, just no cash lol ---
**Author:** ![newman](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/newman/32/7569_2.png) [@newman](https://forums.speedlife.net/u/newman)\ **Post date:** [May 21, 2007, 8:39am UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/5 "2007-05-21T08:39:31Z")
sureshot! might. I’m not sure exactly wtf he does. ---
**Author:** ![AShort](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ashort/32/4947_2.png) [@AShort](https://forums.speedlife.net/u/AShort)\ **Post date:** [May 21, 2007, 8:39am UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/6 "2007-05-21T08:39:32Z")
[quote=“Avatar,post:3,topic:29615"”] I work at a bank, but I don’t do loans. I would go to HSBC. They always give me the best rates. They even beat my M&T rate and I get a special employee rate. :wtf: [/quote] ill try HSBC thanks 🙂 [quote=“newman,post:5,topic:29615"”] sureshot! might. I’m not sure exactly wtf he does. [/quote] hmm ill PM him thanks ---
**Author:** ![JustinH](https://avatars.discourse-cdn.com/v4/letter/j/9fc29f/32.png) [@JustinH](https://forums.speedlife.net/u/JustinH)\ **Post date:** [May 21, 2007, 9:31am UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/7 "2007-05-21T09:31:11Z")
what makes you think that anyone who is “broke” and not able to pay for a loan will be able to get one “as a favor” by anyone who works at a bank. ---
**Author:** ![boxxa](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/boxxa/32/5045_2.png) [@boxxa](https://forums.speedlife.net/u/boxxa)\ **Post date:** [May 21, 2007, 9:38am UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/8 "2007-05-21T09:38:20Z")
For car loans, try to find a local credit union. I have 25 dollars in a account at home in a local savings bank so I can stay a member which gives me crazy low rates on loans. I am sure there is one around here that you can make an account at and get a loan from. ---
**Author:** ![AShort](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ashort/32/4947_2.png) [@AShort](https://forums.speedlife.net/u/AShort)\ **Post date:** [May 21, 2007, 9:45am UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/9 "2007-05-21T09:45:39Z")
[quote=“JustinH,post:7,topic:29615"”] what makes you think that anyone who is “broke” and not able to pay for a loan will be able to get one “as a favor” by anyone who works at a bank. [/quote] i thought maybe someone could help me out or give me some info on a loan. ---
**Author:** ![redrum](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/redrum/32/7398_2.png) [@redrum](https://forums.speedlife.net/u/redrum)\ **Post date:** [May 21, 2007, 9:59am UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/10 "2007-05-21T09:59:54Z")
Your rate will depend on: credit score/history age of car (rate goes way up as cars get older, most banks wont finance anything older than 1999) LTV term of loan It’s a bad idea to get anything longer than 48 months. ---
**Author:** ![PsngrSeatsR4Boys](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/psngrseatsr4boys/32/3078_2.png) [@PsngrSeatsR4Boys](https://forums.speedlife.net/u/PsngrSeatsR4Boys)\ **Post date:** [May 21, 2007, 10:09am UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/11 "2007-05-21T10:09:02Z")
i just went to m&t for a car loan, my rate was 9% ugh. it stayed the same even with a cosigner and my credit score was really good. i suggest anywhere but there. i’m going to go and talk to the people at hsbc soon too. ---
**Author:** ![Johnnylude](https://avatars.discourse-cdn.com/v4/letter/j/2acd7d/32.png) [@Johnnylude](https://forums.speedlife.net/u/Johnnylude)\ **Post date:** [May 21, 2007, 1:33pm UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/12 "2007-05-21T13:33:50Z")
Why dont u get financing from a dealership?.. if your credit is good and u qualify u can get promo rates at like 1.9% … when i bought my S2000, i got locked in at 2.9% for the full length of the loan. Use the insurance money from the totaled car as a downpayment and finance the rest. Or take the money to Sundowners and do the motorboat 10,000 times. ---
**Author:** ![Avatar](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/avatar/32/5076_2.png) [@Avatar](https://forums.speedlife.net/u/Avatar)\ **Post date:** [May 21, 2007, 1:55pm UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/13 "2007-05-21T13:55:11Z")
[quote=“PsngrSeatsR4Boys,post:11,topic:29615"”] i just went to m&t for a car loan, my rate was 9% ugh. it stayed the same even with a cosigner and my credit score was really good. i suggest anywhere but there. i’m going to go and talk to the people at hsbc soon too. [/quote] Yeah man, MandT is horrible. I think my HSBC is at 6.8% or so and I just got it maybe 2 months ago, but not sure. A couple years ago when I went to buy a car from the stealership it was even worst. The best West Herr could do was like 12%. Again, went with HSBC. ---
**Author:** ![AShort](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/ashort/32/4947_2.png) [@AShort](https://forums.speedlife.net/u/AShort)\ **Post date:** [May 21, 2007, 2:11pm UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/14 "2007-05-21T14:11:29Z")
well im only 18, no way in hell itd be that low for me lol ---
**Author:** ![dubbin91](https://avatars.discourse-cdn.com/v4/letter/d/ecccb3/32.png) [@dubbin91](https://forums.speedlife.net/u/dubbin91)\ **Post date:** [May 21, 2007, 7:46pm UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/15 "2007-05-21T19:46:29Z")
[quote=“Avatar,post:13,topic:29615"”] Yeah man, MandT is horrible. I think my HSBC is at 6.8% or so and I just got it maybe 2 months ago, but not sure. A couple years ago when I went to buy a car from the stealership it was even worst. The best West Herr could do was like 12%. Again, went with HSBC. [/quote] agreed, i work for the bastards and do jack shit for me! ---
**Author:** ![livin4hockey](https://avatars.discourse-cdn.com/v4/letter/l/d2c977/32.png) [@livin4hockey](https://forums.speedlife.net/u/livin4hockey)\ **Post date:** [August 7, 2009, 5:21pm UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/16 "2009-08-07T17:21:25Z")
Bumping this up for myself. Contemplating a purchase that would require at least a $10k loan. I’ll check out HSBC for their rates but I don’t know how much better a credit union would be. I have good credit, and a decent job to back that up. Anyone that works at a bank, please PM me. Thanks! ---
**Author:** ![Beck](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/beck/32/28683_2.png) [@Beck](https://forums.speedlife.net/u/Beck)\ **Post date:** [August 7, 2009, 5:23pm UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/17 "2009-08-07T17:23:46Z")
I’m a financial services manager at a dealership. What are you trying to buy? ---
**Author:** ![boardjnky4](https://avatars.discourse-cdn.com/v4/letter/b/96bed5/32.png) [@boardjnky4](https://forums.speedlife.net/u/boardjnky4)\ **Post date:** [August 7, 2009, 5:33pm UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/18 "2009-08-07T17:33:04Z")
[www.penfed.com](http://www.penfed.com) ---
**Author:** ![Hass](https://avatars.discourse-cdn.com/v4/letter/h/51bf81/32.png) [@Hass](https://forums.speedlife.net/u/Hass)\ **Post date:** [August 7, 2009, 6:30pm UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/19 "2009-08-07T18:30:47Z")
> [@livin4hockey](#): > > Bumping this up for myself. Contemplating a purchase that would require at least a $10k loan. I’ll check out HSBC for their rates but I don’t know how much better a credit union would be. I have good credit, and a decent job to back that up. Anyone that works at a bank, please PM me. Thanks! I was as well, but I don’t feel like having ~$400 payments a month for a 25k car ; after a 6k downpayment. Ugh. (406/mo I was told by towne mazda for a ms3) ---
**Author:** ![livin4hockey](https://avatars.discourse-cdn.com/v4/letter/l/d2c977/32.png) [@livin4hockey](https://forums.speedlife.net/u/livin4hockey)\ **Post date:** [August 7, 2009, 6:43pm UTC](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615/20 "2009-08-07T18:43:14Z")
Well I forgot to mention this would be for a 15 year old car (that I would prefer to keep :snky: at the moment). I don’t have much at all to put down right now but I do have a stable income to support payments. After a quick look at that penfed website, I think I could manage ~$300 payments per month. [Next page](https://forums.speedlife.net/t/anyone-work-at-a-bank/29615.md?page=2)