Lowest Possible Interest Rate

[NotApplicable]

Never mind, they have eligibility rules that I don't make the cut.

You can just donate $10 to some charity and they waive the eligibility rules. It’s super easy to do too, it’s built into their onboarding flow. A screen comes up that’s like “choose an option to become eligible,” and one is $10 to some random charity

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[Shoresy]

Anybody received rates from Ford Credit? Surprised if they aren't competitive...

Ford was not competitive for Bronco. And didn’t need to be, my dealer has some other CUs they work with, but when I told them already had USAA setup they said “let’s not bother with shopping”

 

[Shoresy]

Definitely do some shopping ahead of time, and don’t expect Ford to beat anyone. I suppose that credit scores matter, but not sure how much that moves the rate!

 

[kput]

Depends on how many credits you got

 

[Tricky Dick]

You can just donate $10 to some charity and they waive the eligibility rules. It’s super easy to do too, it’s built into their onboarding flow. A screen comes up that’s like “choose an option to become eligible,” and one is $10 to some random charity

Thanks, all signed up.

 

[WhiteMamba]

1.49% for up to 65 months @DCU.org. Requires direct deposit of paycheck I believe.

That’s what I got from DCU back in July

 

[annieVonBebop]

Thanks to this thread went and got pre-approved thru Penfed for 2.4%/72 months

Give yourselves a pat on the back, the Intel in here was super useful for me!

 

[BadK22]

Just in! (USAA)
Received a 1.89% up to 63 months P L U S and additional .25% for auto payments = 1.64%
Additionally, loan approved up to 120%...may be good for some accessories! lol

I think 1.89% already includes the .25% auto pay discount.

 

[RSalami]

You could pay less interest to have shorter loan terms and higher interest rates...

 

[heynow14]

Right from the US Bank website. 2.59% is the lowest.

...and this rate is for 36 months max...something is awry...

 

[Flourman]

Definitely do some shopping ahead of time, and don’t expect Ford to beat anyone. I suppose that credit scores matter, but not sure how much that moves the rate!

Three different credit unions, all quoting the best credit score.

 

[NotApplicable]

...and this rate is for 36 months max...something is awry...

Is it me or is this rate advertisement clearly and blatantly for refinancing and not new purchase?

 

[CJ1064]

Can't do USAA but DCU looks like a winner for me. PenFed is weird and I just got the same rate on DCU.

 

[Shoresy]

Three different credit unions, all quoting the best credit score.

My bad, didn’t mean to reply to you specifically. I edited my previous reply. Congrats on getting closer to your Bronco!

 

[CMillBronco]

Dang. Local Credit Unions in CO are running 3.25% for 60 and north of 4% for 72. Dealer is claiming his rates aren’t any better than the CU’s

Try Bellco in CO they're 2.49 up to 66 months, .25/.50 more for 67+.

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