Current interest rates?

[Neps]

The bill is due now... be thankful most people are working their asses off right now, that usually doesn't happen when interest/inflation is climbing like this.

Well - Almost 2/3 are working Might reach pre-covid levels soon.

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[Jer]

If you have a military affiliation Navy Federal is still the best:

Loan Type	Up to 36 mos. APR as low as	37-60 mos. APR as low as	61-72 mos. APR as low as	73-84 mos. APR as low as	85-96 mos. APR as low as
New Vehicle	4.54%	4.74%	5.04%	6.94%	7.84%

https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html#rates

And if you are/were Sr enlisted E7 or above you get 1% those rates

 

[recklesschewie]

If you have a military affiliation Navy Federal is still the best:

Loan Type	Up to 36 mos. APR as low as	37-60 mos. APR as low as	61-72 mos. APR as low as	73-84 mos. APR as low as	85-96 mos. APR as low as
New Vehicle	4.54%	4.74%	5.04%	6.94%	7.84%

https://www.navyfederal.org/loans-cards/auto-loans/auto-rates.html#rates

I agree. I applied to them first and ended up keeping the 5.0% rate I received for a 72mo loans. Super low payment after the down payment so I can pay more to the principle as I go along. Didn’t even end up applying anywhere else.

 

[Lowcountry Bronco]

And if you are/were Sr enlisted E7 or above you get 1% those rates

I have never heard that before and I'm a retired Chief and been a member for over 30 years. Where you pulling that information?

 

[Jer]

I have never heard that before and I'm a retired Chief and been a member for over 30 years. Where you pulling that information?

I have used several times including last year for my lightning. not widely advertised see link

https://www.navyfederal.org/membership/srenlisted.html

 

[Lowcountry Bronco]

I have used several times including last year for my lightning. not widely advertised see link

https://www.navyfederal.org/membership/srenlisted.html

Thanks, I'll call them in the morning and ask about it, build week is July 17 so I'm a bit early but that would help save some. My last loan with them has been a few years so this must be new but have been with them and USAA for insurance forever and never gotten a Senior Enlisted discount. Appreciate it!

 

[Neps]

Active duty only, no love for us Retired Veterans

"Exclusively for Active Duty, National Guard and Reserves E-7 Through E-9", but you can keep the lower rate if you get a commission/retire prior to loan payoff.

 

[Lowcountry Bronco]

I have used several times including last year for my lightning. not widely advertised see link

https://www.navyfederal.org/membership/srenlisted.html

Active duty only, no love for us Retired Veterans

"Exclusively for Active Duty, National Guard and Reserves E-7 Through E-9", but you can keep the lower rate if you get a commission/retire prior to loan payoff.

I finally got around to calling NFCU and they said that I do qualify for the Senior Enlisted program even though I'm retired. The person I talked with said to make sure when you apply to mention the program but supposedly it was in my record that I qualified! So if that's the case take the below rates as of today and subtract 1%. Thanks again @Jer wouldn't have known about it otherwise!

Loan Type	Up to 36 mos. APR as low as	37-60 mos. APR as low as	61-72 mos. APR as low as	73-84 mos. APR as low as	85-96 mos. APR as low as
New Vehicle	4.54%	4.74%	5.04%	6.94%	7.84%

 

[OscarHTX]

Man, I guess my chances of getting a .74% rate are low

 

[Montana Bronco]

Active duty only, no love for us Retired Veterans

"Exclusively for Active Duty, National Guard and Reserves E-7 Through E-9", but you can keep the lower rate if you get a commission/retire prior to loan payoff.

Well fuck, I was an E-6 who got commissioned. Nice pay raise at the time, no idea that 40 years later it would cost me 1 percent on a car loan.

 

[NatureMan]

Well fuck, I was an E-6 who got commissioned. Nice pay raise at the time, no idea that 40 years later it would cost me 1 percent on a car loan.

 

[RustysBronco]

878 credit score 5.49% with Southland credit union

Vantage Score and FICO Models top out at 850.... how'd you end up with an 878?

 

[new to bronco]

800+ bank of america approved my last week for 6.25% at 48 months

 

[CarGuy]

Vantage Score and FICO Models top out at 850.... how'd you end up with an 878?

Was thinking the same thing. FICO max is 850.

 

[GAN]

Vantage Score and FICO Models top out at 850.... how'd you end up with an 878?

Inflation….

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