# Best place to get an Auto Loan?
**URL:** https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882
**Category:** NYSpeed Off Topic
**Created:** [October 22, 2008, 8:31am UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882 "2008-10-22T08:31:48Z")
**Posts on this page:** 20
**Page:** 2
### Author:  [@BuickGN](https://forums.speedlife.net/u/BuickGN)
#### Post date: [October 22, 2008, 10:37am UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/21 "2008-10-22T10:37:55Z")
I hear AIG is giving great rates now.
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### Author:  [@RobHimself](https://forums.speedlife.net/u/RobHimself)
#### Post date: [October 22, 2008, 10:51am UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/22 "2008-10-22T10:51:15Z")
lending tree. If you have ok credit you will find a good rate.
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### Author:  [@Dr.Stevil](https://forums.speedlife.net/u/Dr.Stevil)
#### Post date: [October 22, 2008, 11:13am UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/23 "2008-10-22T11:13:53Z")
> [@RobHimself](#):
>
> lending tree. If you have ok credit you will find a good rate.
thanks for the headsup :tup: been meaning to re-finance my car loan. hopefully they can do something for me
edit: got an offer from Wachovia (sp?) with a 12.9% apr
FUCK that noise
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### Author:  [@Quattro\_Krant](https://forums.speedlife.net/u/Quattro_Krant)
#### Post date: [October 22, 2008, 12:11pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/24 "2008-10-22T12:11:17Z")
> [@DarkkstaR](#):
>
> well chase approved me, at a ridiculous 11.19 APR. not having that…esp. since everyone else was giving me great rates.
>
> i’ve only applied to like 3 places, 4 now…i would like to not apply anymore but this shit is a pain in the ass!
Ummmmm, it is a used car. Also, are you not aware of what is going on now with banks/economy/credit, etc etc??? The apr you were given is pretty much standard used car rates, now big shocker.
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### Author:  [@Spam16v](https://forums.speedlife.net/u/Spam16v)
#### Post date: [October 22, 2008, 12:14pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/25 "2008-10-22T12:14:54Z")
DO NOT put a CT plate on it… you have to pay tax on it when you buy it and then “property tax” every year bi-annually on it, been there done that. put a NY tag on it from your folks house in ny, trust me… i’m still fighting with CT to tell them i left their police-state and UPS’d them my tag and they still want taxes b/c the towns handle it, and the line of communication is fuct up between the DMV and the towns and no one wants to call anyone else.
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### Author:  [@Daddie](https://forums.speedlife.net/u/Daddie)
#### Post date: [October 22, 2008, 12:15pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/26 "2008-10-22T12:15:22Z")
Well - what year is the car?
I got a 5.75% rate for 4 years on my S2000, that was 3 years old.
But yeah - current market conditions will jack that up, but you should still be able to get under 10%.
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### Author:  [@RobHimself](https://forums.speedlife.net/u/RobHimself)
#### Post date: [October 22, 2008, 12:24pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/27 "2008-10-22T12:24:37Z")
> [@Dr.Stevil](#):
>
> thanks for the headsup :tup: been meaning to re-finance my car loan. hopefully they can do something for me
>
> edit: got an offer from Wachovia (sp?) with a 12.9% apr
>
> FUCK that noise
I got usbank to refinance my car loan through lending tree and i only took like a 1% increase in APR. I think the company us bank found me through was “rate genius”.
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### Author:  [@Nikuk](https://forums.speedlife.net/u/Nikuk)
#### Post date: [October 22, 2008, 12:29pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/28 "2008-10-22T12:29:33Z")
> [@RobHimself](#):
>
> I got usbank to refinance my car loan through lending tree and i only took **like a 1% increase in APR.** I think the company us bank found me through was “rate genius”.
wait, wat?
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### Author:  [@JayS](https://forums.speedlife.net/u/JayS)
#### Post date: [October 22, 2008, 12:30pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/29 "2008-10-22T12:30:46Z")
> [@Dr.Stevil](#):
>
> thanks for the headsup :tup: been meaning to re-finance my car loan. hopefully they can do something for me
>
> edit: got an offer from Wachovia (sp?) with a 12.9% apr
>
> FUCK that noise
Holy shit man, a week ago you had a thread saying you wanted to trade it. That 12.9 rate is the banks way of telling you your history of trading cars constantly needs to come to an end.
> [@Nikuk](#):
>
> wait, wat?
Translated… I couldn’t really afford my car payments, so I just increased the term to lower my payments.
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### Author:  [@djdstar](https://forums.speedlife.net/u/djdstar)
#### Post date: [October 22, 2008, 12:31pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/30 "2008-10-22T12:31:28Z")
> [@Spam16v](#):
>
> DO NOT put a CT plate on it… you have to pay tax on it when you buy it and then “property tax” every year bi-annually on it, been there done that. put a NY tag on it from your folks house in ny, trust me… i’m still fighting with CT to tell them i left their police-state and UPS’d them my tag and they still want taxes b/c the towns handle it, and the line of communication is fuct up between the DMV and the towns and no one wants to call anyone else.
even if I’m just a student here without a residency here? i’m trying to save sales tax money but if this is the case…fuck that
the car is an 2003
i know current market conditions aren’t great, but the place dozr suggested is giving out 4.75
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### Author:  [@Nikuk](https://forums.speedlife.net/u/Nikuk)
#### Post date: [October 22, 2008, 12:34pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/31 "2008-10-22T12:34:04Z")
> [@JayS](#):
>
> Translated… I couldn’t really afford my car payments, so I just increased the term to lower my payments.
Yes, thank you, I can read “dumb consumer” 😉
I was just surprised to find out Rob was of the consumerist religion.
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### Author:  [@RobHimself](https://forums.speedlife.net/u/RobHimself)
#### Post date: [October 22, 2008, 12:38pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/32 "2008-10-22T12:38:13Z")
> [@Nikuk](#):
>
> wait, wat?
Yeah i loved my car, i could afford it but i started wanting to put more away for the future and was going to sell the car but couldnt part with it. One more year, its not killing anything and it was only like 1000 to stay happy…
Looking back im glad i did it, i love driving my car and i drive a lot for work.
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### Author:  [@Fry](https://forums.speedlife.net/u/Fry)
#### Post date: [October 22, 2008, 12:54pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/33 "2008-10-22T12:54:27Z")
> [@RobHimself](#):
>
> Yeah i loved my car, i could afford it but i started wanting to put more away for the future and was going to sell the car but couldnt part with it. One more year, its not killing anything and it was only like 1000 to stay happy…
>
> Looking back im glad i did it, i love driving my car and i drive a lot for work.
You took an APR hike and extended the term so that you could start to save money? Dude. :squint:
Ah well. My broke ass is no one to judge.
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### Author:  [@Dr.Stevil](https://forums.speedlife.net/u/Dr.Stevil)
#### Post date: [October 22, 2008, 12:55pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/34 "2008-10-22T12:55:12Z")
> [@JayS](#):
>
> Holy shit man, a week ago you had a thread saying you wanted to trade it. That 12.9 rate is the banks way of telling you your history of trading cars constantly needs to come to an end.
lol yeah, I guess they don’t like loosing out on interest $$$
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### Author:  [@RobHimself](https://forums.speedlife.net/u/RobHimself)
#### Post date: [October 22, 2008, 12:57pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/35 "2008-10-22T12:57:21Z")
> [@Fry](#):
>
> You took an APR hike and extended the term so that you could start to save money? Dude.
>
> Ah well. My broke ass is no one to judge.
Was really more of an APR nudge
My payments were a little high and i wasnt putting away as much as i wanted in the bank. I admit when i got the car i was not thinking that clearly but it sucks getting rid of something i worked really hard to get. Unlike a good number of sti owners in the area i got mine new and bought it myself. I gave up alot to get it it but when i drive it i don’t think i could be happy without it.
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### Author:  [@Dr.Stevil](https://forums.speedlife.net/u/Dr.Stevil)
#### Post date: [October 22, 2008, 1:02pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/36 "2008-10-22T13:02:52Z")
> [@RobHimself](#):
>
> when i drive it i don’t think i could be happy without it.
robhimself and his woman?
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### Author:  [@RobHimself](https://forums.speedlife.net/u/RobHimself)
#### Post date: [October 22, 2008, 1:04pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/37 "2008-10-22T13:04:10Z")
Clearly that guy drives a VW
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### Author:  [@Dr.Stevil](https://forums.speedlife.net/u/Dr.Stevil)
#### Post date: [October 22, 2008, 1:04pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/38 "2008-10-22T13:04:41Z")
best invisiblecar.jpg on short notice ☹
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### Author:  [@JustinH](https://forums.speedlife.net/u/JustinH)
#### Post date: [October 22, 2008, 1:18pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/39 "2008-10-22T13:18:01Z")
My girlfriend has very good credit.
She just got a 5.5% Rate on a small loan (about 5 grand) to pickup her pontiac…
Cornerstone Credit Union in Lockport.
They are very professional, awesome to deal with.
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### Author:  [@Daddie](https://forums.speedlife.net/u/Daddie)
#### Post date: [October 22, 2008, 1:49pm UTC](https://forums.speedlife.net/t/best-place-to-get-an-auto-loan/56882/40 "2008-10-22T13:49:40Z")
> [@RobHimself](#):
>
> Was really more of an APR nudge
>
> My payments were a little high and i wasnt putting away as much as i wanted in the bank. I admit when i got the car i was not thinking that clearly but it sucks getting rid of something i worked really hard to get. Unlike a good number of sti owners in the area i got mine new and bought it myself. I gave up alot to get it it but when i drive it i don’t think i could be happy without it.
Rob. WHY THE HELL ARE YOU TRYING TO SAVE MONEY, WHEN YOUR INTEREST RATE IS OVER 5 TIMES WHAT YOU ARE MAKING IN THE BANK?!?!
YOUR LOGIC = :banghead:
5000 x 10% = 500
5000 x 2% = 100
On top of that, you refinanced, so charges are there… bank fees, shit
On top of that, you extended it a year, which means, more interest.
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