You got a soft inquiry for the heck of it?
Sure. Soft inquiries are among the very few things that are even less consequential to oneâs credit history than hard inquiries.
1 Like
Rates are going up seems that way. Anyone still think can beat 2.49% @72 months under current conditions?
I just signed 2.49 on a 60 month (could have done 72 if I wanted) at Fed Choice. It actually was super easy⌠my dealer didnât want to give me their wire info so that was a pain but itâs done now. They sent the docusign right away after they got the wire info.
2 Likes
Do the credit unions give auto loans on business buying a car?
Whatever he did, helped. I had a great experience with Fedchoice, after a horrible experience with Interior. Fedchoice got my funds wired the same day. Spoke at 9AM, sent them some missing documents at 12:30PM, funded at around 2PM. All same day. Note: I had been instantly approved a bit more than a month earlier, but still impressed at how quickly they moved when I needed them.
5 Likes
Yes exactly, they even pickup the phone real early, the works check up on your and they are actually very nice not rude or anything
Theyâre a horror show; wouldnât send my worst enemy to them as I have a big issue with adding things to my signed documents that I didnât authorize. Today they called me to see how my experience was LOL I said are you really sure you want to ask me that?
care to elaborate?
If you caught it I responded than deleted.
Do you have to be a member of Tangerine Foundation to get this discounted rate? Asking because their lowest advertised rate is 3.14% on their site and how you were able to get for 2.49 from FedChoice? Trying to refinance my new Escape PHEV that I just bought 5 days ago.
Make a 5 dollar donation and youâre all set.
You get a 1% rate discount during your first 90 days of membership but 2.49% is their floor rate meaning thatâs as low as it will go
Thank you for the info. I assume this 2.49 is the lowest that it can go in the current market for a 60-72 month term with top-tier credit.
Anyone know if Fedchoice offers 84 month loans on a lease buyout, and what the rate would be?
I have a 2020 Tundra I am wanting to buy. Have approval from my local credit union for 3.24 for 72 months, but if I can lower payment with 84 month at similar rate I would go that route.
I think you can get 3.14% on 84 month loan from Fedchoice (assuming getting 1% APR discount for new members since current rate is 4.14%)
1 Like
If we do a 60 - 72 month with Fedchoice is there a penalty to pay off the amount sooner?
Thank You
No there is not
2 Likes
Iâm getting a car from a dealer in a week but to get additional discount, need to stick with dealer financing option for 3 months. Any of these rates able to be locked that long?