# The Best Finance Rates & Hacks! Submit your CU recommendations! **URL:** \ **Category:** Wiki\ **Tags:** financing\ **Created:** [May 19, 2022, 5:28pm UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036 "2022-05-19T17:28:24Z")\ **Posts on this page:** 12\ **Page:** 110
**Author:** ![Lucas\_Tanaka](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/lucas_tanaka/32/257186_2.png) [@Lucas\_Tanaka](https://forum.leasehackr.com/u/Lucas_Tanaka)\ **Post date:** [May 29, 2026, 10:25pm UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036/2212 "2026-05-29T22:25:51Z")
Update to my BW saga. Ended up getting a private party BW and my credit union (skyla CU) beat cal coasts rate after I shared what I got with them. **Skyla CU:** 4.5% 72m (cal coast was 4.98% at 75months) First time I did a private party with them, I’ve done two dealer purchases and a refi with them before though. Pretty easy process. Still waiting on Carmax to pay off Cal coast loan but it can take up to 14 days, and I’m assuming it’ll take the full 14 days. Carmax will cover any interest incurred. ---
**Author:** ![Msncarson](https://leasehackr.b-cdn.net/letter_avatar/msncarson/32/5_5575768a8748004e209b776fc1b2916d.png) [@Msncarson](https://forum.leasehackr.com/u/Msncarson)\ **Post date:** [June 25, 2026, 5:29pm UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036/2213 "2026-06-25T17:29:27Z")
Calcoast was super fast and easy. 4.98% at 75m refi. ---
**Author:** ![BlueAc](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/blueac/32/208077_2.png) [@BlueAc](https://forum.leasehackr.com/u/BlueAc)\ **Post date:** [September 8, 2026, 8:07pm UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036/2214 "2026-09-08T20:07:02Z")
Thinking about financing my next car. Has anybody seen any rates that beat these? ![IMG_8497](https://leasehackr-assets.b-cdn.net/original/4X/9/1/4/914cef7047971f767437ca30f3d8fe185e5d1fd4.jpeg) ---
**Author:** ![jsingh5292](https://leasehackr.b-cdn.net/letter_avatar/jsingh5292/32/5_5575768a8748004e209b776fc1b2916d.png) [@jsingh5292](https://forum.leasehackr.com/u/jsingh5292)\ **Post date:** [September 8, 2026, 8:40pm UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036/2215 "2026-09-08T20:40:47Z")
Out of curiosity what are you looking to get? ---
**Author:** ![BlueAc](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/blueac/32/208077_2.png) [@BlueAc](https://forum.leasehackr.com/u/BlueAc)\ **Post date:** [September 8, 2026, 9:27pm UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036/2216 "2026-09-08T21:27:45Z")
E63s wagon ---
**Author:** ![Miguel\_Acosta](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/miguel_acosta/32/28808_2.png) [@Miguel\_Acosta](https://forum.leasehackr.com/u/Miguel_Acosta)\ **Post date:** [September 25, 2026, 4:22am UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036/2217 "2026-09-25T04:22:31Z")
Penfed has pretty good rates. ![Screenshot_20260924_212042_Chrome](https://leasehackr-assets.b-cdn.net/original/4X/b/f/9/bf93c06efac0bdccbb4ab5d3a619c59391b590e9.jpeg) ---
**Author:** ![john6866](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/john6866/32/21516_2.png) [@john6866](https://forum.leasehackr.com/u/john6866)\ **Post date:** [September 25, 2026, 4:36am UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036/2218 "2026-09-25T04:36:45Z")
As a long time penfed member, I’ve never been able to get advertised rates with top tier credit even. They’re always a percentage point or two higher, and no explanation for why the rates vary so much from what they advertise. ---
**Author:** ![Ursus](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/ursus/32/4944_2.png) [@Ursus](https://forum.leasehackr.com/u/Ursus)\ **Post date:** [September 25, 2026, 4:47am UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036/2219 "2026-09-25T04:47:11Z")
This is through TrueCar aka PenFed Car Buying Service. Regular rates will be higher. ---
**Author:** ![jackals](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jackals/32/130337_2.png) [@jackals](https://forum.leasehackr.com/u/jackals)\ **Post date:** [September 25, 2026, 9:57am UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036/2220 "2026-09-25T09:57:44Z")
+1 but only happened last time in 2023. 850 credit, previous loans with them, CC too, never a late payment and I should have had lik 4.5% and I got like 5.5%. I asked why and even asked for a manager and nothing changed and got no explanation. ---
**Author:** ![Miguel\_Acosta](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/miguel_acosta/32/28808_2.png) [@Miguel\_Acosta](https://forum.leasehackr.com/u/Miguel_Acosta)\ **Post date:** [September 25, 2026, 7:46pm UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036/2221 "2026-09-25T19:46:29Z")
Thank for the heads up I won’t waste my time. ---
**Author:** ![Mi1lion](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mi1lion/32/3914_2.png) [@Mi1lion](https://forum.leasehackr.com/u/Mi1lion)\ **Post date:** [October 1, 2026, 6:06pm UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036/2222 "2026-10-01T18:06:14Z")
Any good leads lately? I’m seeing DCU mentioned a few places.. [DCU.org](http://DCU.org) ---
**Author:** ![Gearhead](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/gearhead/32/22582_2.png) [@Gearhead](https://forum.leasehackr.com/u/Gearhead)\ **Post date:** [October 5, 2026, 11:51pm UTC](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036/2223 "2026-10-05T23:51:37Z")
[https://www.peopledrivencu.org/loans/vehicle/auto-loan/](https://www.peopledrivencu.org/loans/vehicle/auto-loan/) Was shopping for used auto rates recently. Was able to get this rates with Tier 1 credit. You do need to do autopay from their checking account to the full rate. For example, the 4.74% is given as 4.99 - 0.25 autopay discount. FWIW, Navy Fed gave me 7.39%. Forgot what they were advertising but this was for 72 months. Transunion score 845. [Previous page](https://forum.leasehackr.com/t/the-best-finance-rates-hacks-submit-your-cu-recommendations/419036.md?page=109)