That FlexLoan @ CUTX sounds pretty good as a modified balloon with options.
Rates are nowhere to be found though 
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Someone posted about it before:
6.75% isn’t great but it is better than 8.9% for sure.
Balloon loans are, minimum, 1pt over standards rates, so 6.75 reflects a 5.75 base rate. Right now, this is the best you will find at a CU offering balloon loans – outside regional upstate NY options.
None of those are balloon loans.
He’s showing you regular rates that are lower than what you said is available:
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None of those CUs offer balloon loans, how is it applicable?
Read above? You said there are no base rates better than 5.75%, he showed you there are. Nothing to do with balloons. That’s how I understood your post.
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I was talking in context of CU’s that offered balloon loans. I have modified my post.
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Makes much more sense, thanks.
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Preowned BMW finance is offering 5.49% for 36mo.
About the same as the return rate on a 36mo CD.
When I click on that link it gives a 404 error. I searched the website and the lowest car loan advertised is 7.04%. I haven’t seen rates this low in years.
The post you’re referencing is over a year old, so that would likely be why. Browsing the forum for the first time since a long visit can be confusing, you can drop back into a thread that is 1+ year outdated easily.
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It shows as 5 days ago on my screen and comes up at the top of
Looks like Fedchoice has raised rates by .25%
Fyi, the Fresno Educational Employee CU (EECU) has a promotional rate of 4.89% up to 72-months. This is valid till 12/31 for new auto loan (2020 or higher).
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Might be the lowest in the country right now for 72 months.
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Man, was going to apply with Fedchoice, and their rates just went through the roof. From 5.39% before the new member bonus to 6.89% for up to 72 months.
I had two loans with FedChoice. Don’t recommend them. They are nightmare to deal with to start the loan and to buyout and then have them release title via dmv. My paperwork got stuck with dmv for 6 months because they didn’t file paperwork correctly with them.