Latest BALLON LOAN options (best to worst):
CapEd Credit Union (https://capedcu.com/)
They offer a payment saver loan option (via AFG) at a 3.84% rate. Membership to the CU is possible via a $20 donation to CapEd Foundation. Also offers a 2.14% rate for 96 months, so one application gives you both options. Uses transunion credit for initial score
Hanscom Federal Credit Union (https://hfcu.org/)
Better then a lease loan offering is backed by AFG at a 3.74% rate. Membership to the CU is possible via a $35 donation to Nashua River Watershed Association. Uses transunion credit for score.
AmeriCU Credit Union (https://americu.org/)
Membership via $15 one-time donation to American Consumer Council. Uses experian for credit score. Payment came back very high, not sure what rates/fees they used.
Teachers Federal Credit Union (https://teachersfcu.org/)
Open membership, anyone can join. Paysaver rates not posted, but you can apply for paysaver loan via the website. Uses transunion credit for score. Came back with a rate over 5%
Regional options (not-open-membership) to consider:
SEFCU (NY),
MountainCrest FCU (WA),
Vermont FCU (VT),
Frankenmuth CU (MI)
Lowest available BALLON LOAN rate found was 2.49% but I did not qualify. Note that fees charged between providers can vary. At minimum, expect a $725 origination fee for vehicles over $75K. In one case, I was quoted $1500 for origination. Expect a hard pull immediately after submitting your application online.