# Auto loans: 3.69% USED Cars
**URL:** https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527
**Category:** NYSpeed Automotive
**Created:** [October 15, 2010, 12:50pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527 "2010-10-15T12:50:31Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@newman](https://forums.speedlife.net/u/newman)
#### Post date: [October 15, 2010, 12:50pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/1 "2010-10-15T12:50:31Z")
Just got an email from my credit union. 3.69% on used cars. Lowest rate I’ve ever seen.
[Westerndivision.org](http://Westerndivision.org)
If you have good credit and live in Erie county you can sign up and check em out.
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### Author:  [@theblue](https://forums.speedlife.net/u/theblue)
#### Post date: [October 15, 2010, 12:57pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/2 "2010-10-15T12:57:49Z")
limits on certain years etc?
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### Author:  [@tpgsr](https://forums.speedlife.net/u/tpgsr)
#### Post date: [October 15, 2010, 1:10pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/3 "2010-10-15T13:10:22Z")
That is the Rate that I am getting on my mortgage! Maybe I should buy a car too.
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### Author:  [@Minglor](https://forums.speedlife.net/u/Minglor)
#### Post date: [October 15, 2010, 1:12pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/4 "2010-10-15T13:12:33Z")
meh.
My credit union is doing 2.99% on used.
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### Author:  [@livin4hockey](https://forums.speedlife.net/u/livin4hockey)
#### Post date: [October 15, 2010, 2:47pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/5 "2010-10-15T14:47:36Z")
> [@Minglor](#):
>
> meh.
> My credit union is doing 2.99% on used.
Where?
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### Author:  [@Xander](https://forums.speedlife.net/u/Xander)
#### Post date: [October 15, 2010, 2:53pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/6 "2010-10-15T14:53:40Z")
3.69 on exotics too?
X…
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### Author:  [@JayS](https://forums.speedlife.net/u/JayS)
#### Post date: [October 15, 2010, 4:28pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/7 "2010-10-15T16:28:26Z")
Rates are really low and probably won’t be going up for some time. When the fed’s key rate is basically zero it’s easy to make money relending, even at \< 4%. You just have to be very strict on picking qualified applicants.
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### Author:  [@somedude](https://forums.speedlife.net/u/somedude)
#### Post date: [October 15, 2010, 4:29pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/8 "2010-10-15T16:29:33Z")
I just got financed at 5.09% i thought I did ok for a used car with a good but limited credit history. I guess not.
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### Author:  [@ubengineering](https://forums.speedlife.net/u/ubengineering)
#### Post date: [October 15, 2010, 6:34pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/9 "2010-10-15T18:34:48Z")
It’s a lot better than a personal loan i took out through HSBC a few years ago, the range was 13.5% for the best credit to 18.x for the worst, i had a 14.5, but i payed that shit off early
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### Author:  [@BigRon](https://forums.speedlife.net/u/BigRon)
#### Post date: [October 15, 2010, 8:18pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/10 "2010-10-15T20:18:07Z")
It would help to state the term.
I just got 1.9% for 36 months but it was certified.
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### Author:  [@burnt\_toast](https://forums.speedlife.net/u/burnt_toast)
#### Post date: [October 15, 2010, 8:49pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/11 "2010-10-15T20:49:50Z")
my credit union’s rates right now (orchard park fcu)
New/Used Vehicles
Term APR as low as
Up to 24 Months - 3.74%\*
Up to 36 Months - 3.74%\*
Up to 48 Months - 3.99%\*
Up to 60 Months - 4.24%\*
Up to 72 Months - 4.74%\*
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### Author:  [@Jack](https://forums.speedlife.net/u/Jack)
#### Post date: [October 16, 2010, 7:22am UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/12 "2010-10-16T07:22:21Z")
Fuck… just bought my car in May for 8%… when did all this happen?
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### Author:  [@Minglor](https://forums.speedlife.net/u/Minglor)
#### Post date: [October 16, 2010, 7:29am UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/13 "2010-10-16T07:29:48Z")
> [@livin4hockey](#):
>
> Where?
PenFed
> [@BigRon](#):
>
> It would help to state the term.
> I just got 1.9% for 36 months but it was certified.
True.
below nada value and 48/60/72 months - 2.99% new/used
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### Author:  [@Willybeen](https://forums.speedlife.net/u/Willybeen)
#### Post date: [October 16, 2010, 1:04pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/14 "2010-10-16T13:04:48Z")
Mmmm time to refinance … lol. I bet my credit union will match it no questions asked
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### Author:  [@cougarspeed](https://forums.speedlife.net/u/cougarspeed)
#### Post date: [October 16, 2010, 1:09pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/15 "2010-10-16T13:09:38Z")
I have been wanting to buy another car. These rates are making me want to make some poor decisions. FML
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### Author:  [@snowracer101](https://forums.speedlife.net/u/snowracer101)
#### Post date: [October 16, 2010, 1:12pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/16 "2010-10-16T13:12:36Z")
PenFed here. 2.9% for 60 months \<3
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### Author:  [@Joe](https://forums.speedlife.net/u/Joe)
#### Post date: [October 16, 2010, 1:15pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/17 "2010-10-16T13:15:46Z")
> [@ubengineering](#):
>
> It’s a lot better than a personal loan i took out through HSBC a few years ago, the range was 13.5% for the best credit to 18.x for the worst, i had a 14.5, but i payed that shit off early
Thanks for payin my salary bro :lol:
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### Author:  [@cougarspeed](https://forums.speedlife.net/u/cougarspeed)
#### Post date: [October 16, 2010, 1:18pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/18 "2010-10-16T13:18:03Z")
Lending is hilarious right now. I wonder how ridiculous these rates will seem when looking back in ten or so years.
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### Author:  [@Joe](https://forums.speedlife.net/u/Joe)
#### Post date: [October 16, 2010, 2:58pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/19 "2010-10-16T14:58:32Z")
> [@cougarspeed](#):
>
> Lending is hilarious right now. I wonder how ridiculous these rates will seem when looking back in ten or so years.
Very. Employee rate is 3.5% for a 15y or 4% for 30y on a double right now…lets buy one!
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### Author:  [@cougarspeed](https://forums.speedlife.net/u/cougarspeed)
#### Post date: [October 16, 2010, 3:13pm UTC](https://forums.speedlife.net/t/auto-loans-3-69-used-cars/161527/20 "2010-10-16T15:13:36Z")
lets do a 15yr!
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