# Best Loan Rates
**URL:** https://forums.speedlife.net/t/best-loan-rates/232417
**Category:** NYSpeed Automotive
**Created:** [August 20, 2013, 6:16pm UTC](https://forums.speedlife.net/t/best-loan-rates/232417 "2013-08-20T18:16:11Z")
**Posts on this page:** 15
**Page:** 1
### Author:  [@9c1ny](https://forums.speedlife.net/u/9c1ny)
#### Post date: [August 20, 2013, 6:16pm UTC](https://forums.speedlife.net/t/best-loan-rates/232417/1 "2013-08-20T18:16:11Z")
Who has the best rates these days??
I am looking at low 30’s for a 2007, guessing I am limited to 60 months
thanks in advance
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### Author:  [@LZ1](https://forums.speedlife.net/u/LZ1)
#### Post date: [August 20, 2013, 6:27pm UTC](https://forums.speedlife.net/t/best-loan-rates/232417/2 "2013-08-20T18:27:28Z")
Penfed?
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### Author:  [@evane](https://forums.speedlife.net/u/evane)
#### Post date: [August 20, 2013, 6:33pm UTC](https://forums.speedlife.net/t/best-loan-rates/232417/3 "2013-08-20T18:33:20Z")
To my knowledge Penfed still has some of the best rates.
Could always do a quick check on [bankrate.com](http://bankrate.com)
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### Author:  [@9c1ny](https://forums.speedlife.net/u/9c1ny)
#### Post date: [August 20, 2013, 6:35pm UTC](https://forums.speedlife.net/t/best-loan-rates/232417/4 "2013-08-20T18:35:45Z")
hmmm I’ll check them out, have never heard of them, thanks
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### Author:  [@1QIKZ](https://forums.speedlife.net/u/1QIKZ)
#### Post date: [August 20, 2013, 6:36pm UTC](https://forums.speedlife.net/t/best-loan-rates/232417/5 "2013-08-20T18:36:00Z")
Try Meridia CU in Hamburg. Stupid low rates last time I used em.
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### Author:  [@05OrangeSS](https://forums.speedlife.net/u/05OrangeSS)
#### Post date: [August 20, 2013, 11:30pm UTC](https://forums.speedlife.net/t/best-loan-rates/232417/6 "2013-08-20T23:30:55Z")
There’s western division credit union on main st in williamsville which has good rates that I’m a member of, or there’s the other credit union I’m a member of called summit. The summit one has like criteria to be a member so if you need an in you can reference me if need be. Check them out and see if the rate is good enough for you.
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### Author:  [@Jagermeister](https://forums.speedlife.net/u/Jagermeister)
#### Post date: [August 21, 2013, 3:17am UTC](https://forums.speedlife.net/t/best-loan-rates/232417/7 "2013-08-21T03:17:47Z")
I recently got a 1.74% rate on a 2006 from PenFed. The dealer (with their lowest rate of 3%) matched the 1.74%.
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### Author:  [@9c1ny](https://forums.speedlife.net/u/9c1ny)
#### Post date: [August 21, 2013, 6:21pm UTC](https://forums.speedlife.net/t/best-loan-rates/232417/8 "2013-08-21T18:21:10Z")
I have an offer of 1.75% but now the seller is playing games, he told me a price on Tuesday and now today he says he has someone coming on Saturday that is going to pay him full price …
So we’ll see, thanks for the tips!
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### Author:  [@LUKE\_L](https://forums.speedlife.net/u/LUKE_L)
#### Post date: [August 22, 2013, 5:58am UTC](https://forums.speedlife.net/t/best-loan-rates/232417/9 "2013-08-22T05:58:15Z")
Who did you get 1.75% through? I will be looking in the near future.
PenFed
Meridia
Western Division
Summit
Any others…? Do they offer no fees if paid off early?
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### Author:  [@boxxa](https://forums.speedlife.net/u/boxxa)
#### Post date: [August 22, 2013, 6:47am UTC](https://forums.speedlife.net/t/best-loan-rates/232417/10 "2013-08-22T06:47:19Z")
Great Erie Federal Credit Union in OP. You join some town thing for $20 and can be a member. Great to deal with and pretty great rates.
In the 2.00-3.00 range, no early pay off fees and they even offer up to 7 years if you really want to buy something you can’t afford. My BMW is 2.25%
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### Author:  [@9c1ny](https://forums.speedlife.net/u/9c1ny)
#### Post date: [August 22, 2013, 9:49am UTC](https://forums.speedlife.net/t/best-loan-rates/232417/11 "2013-08-22T09:49:07Z")
> [@LUKE\_L](#):
>
> Who did you get 1.75% through? I will be looking in the near future.
>
> PenFed
> Meridia
> Western Division
> Summit
>
> Any others…? Do they offer no fees if paid off early?
WNYFCU over on Union Rd
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### Author:  [@deebo](https://forums.speedlife.net/u/deebo)
#### Post date: [August 22, 2013, 9:59am UTC](https://forums.speedlife.net/t/best-loan-rates/232417/12 "2013-08-22T09:59:54Z")
I bank thru wnyfcu but my loan is thru Blvd Fcu on NFBlvd . I wish mine was 1.75 wtf ugh lol. Blvd Fcu will finance any year car fyi incase someone wanted something older
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### Author:  [@Kramer](https://forums.speedlife.net/u/Kramer)
#### Post date: [August 22, 2013, 10:26am UTC](https://forums.speedlife.net/t/best-loan-rates/232417/13 "2013-08-22T10:26:28Z")
does penfed allow more than 36 months on older vehicles or is it pretty much the standard that if its onlder the max is 36 months
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### Author:  [@theblue](https://forums.speedlife.net/u/theblue)
#### Post date: [August 22, 2013, 10:28am UTC](https://forums.speedlife.net/t/best-loan-rates/232417/14 "2013-08-22T10:28:49Z")
yes, they allow 60. I think any year also, but they do have a max miles, something like 100k.
you can also no-cost refi with them if you have a higher rate with somebody else.
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### Author:  [@9c1ny](https://forums.speedlife.net/u/9c1ny)
#### Post date: [August 22, 2013, 10:33am UTC](https://forums.speedlife.net/t/best-loan-rates/232417/15 "2013-08-22T10:33:55Z")
> [@deebo](#):
>
> I bank thru wnyfcu but my loan is thru Blvd Fcu on NFBlvd . I wish mine was 1.75 wtf ugh lol. Blvd Fcu will finance any year car fyi incase someone wanted something older
the perks of having good credit lol