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.
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.
+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.
