Small town credit union. Exploring other options
check with cornerstone in Lockport?
Mine is that way also if it is a private seller, out of state dealer is okay if I recall correctly.
They told me to refinance once I got the title back. ESL will do out of state @ 5.2% and first Niagara will at 6.99%. My credit union is 2.19%.
Pentagon Federal
X2 on Pen Fed excellent rates and really easy to join.
Quick and simple on the lending side as well. Used them for years.
I don’t think penfed would beat 2.19% unless you go 36 months or less.
Just a nice options if he wants to get around the out of state issue.
Cornerstone and Sefcu are my Top 2 go to. They usually list their rates on their site, but offer better deals in person. If you sign up for automatic payments, they will also knock a 1/4% off too. I bought my truck out of PA, but it was sold through a local dealer. I did the auction search, found what I wanted and then drove to see it with a dealer plate in hand, blank check from the dealer and decided I wanted it and paid. I then took my check to the dealer for pickup.
Not everyone has that luxury, but it worked really well for me. I checked Greyhound bus routes/schedules too. I took a bus down to Pitts. for like $40 and I knew if I didn’t like it, I had 2 hours to make it back to the bus station to catch the next bus back to Buffalo.
I’ve had a savings account with Penfed for years so I just did a quick look on the site to see what they offered.
Have to look into them. I can always refinance down the line. Now finding one that’s a decent deal is a chore. I’m not sure what else to buy/look at
Maybe it’s a sign not to spend money you don’t have (don’t take it the wrong way.)
I’m considering cheaper options, and just keep saving.
Looks like used Chevrolet Caprice are now selling for mid 20’s.
These cars are rare, it took me 3 months before I found mine. Be patient and the right deal will come along.
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Not sure what you mean by this…the fact that he’s trying to get the best rate possible in financing?
Shifty is all cash baby.
Financing cars is… uhh… normal. Mine is financed at 1.9 for 60. Who cares. Will I pay it off before then? Hell yes. The debt is manable and the interest is minimal.
If it makes sense for him to do it, who cares.
Maybe I should just be poor, grow a mullet and go back to Trailer. Anything with 4 matching tires would be the nicest thing in the park.
2010+ Ford Taurus SHO $20k-$27k
AWD, 365hp 350 tq stock
3.5 liter direct-injected Twin-turbo EcoBoost V6
Livernois tuned 400+hp 400+tq
Ya who cares until he thinks someone should save up more money before buying the car. If you’re all about paying 20k cash for a car then you should realize the smarter decisions is to take the financing at 1.9% and drop the 20k in stock. after 5 years you’ll be ahead a conservative $3k