Credit unions for Auto loan in bay area

New monomo
Nov 20, 2018 15 Comments

Hey guys
My credit score is roughly 800. What are some good credit unions that will give me nice rates here?
My long time bank DCU has lost my business by quoting me a 3.5%

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TOP 15 Comments
  • Amazon AIV
    Go check out the loan spreadsheet at Tesla motor club. The loans are for any cars, not just Tesla, but you can secure some insanely favorable rates that way.
    Nov 20, 2018 2
    • New monomo
      OP
      Thanks for this golden treasure. Will check out
      Nov 20, 2018
    • Amazon AIV
      I got 1.99% at Pasadena FCU. Some people have done better.
      Nov 20, 2018
  • Cox Automotive Tim_cox
    Try penfed.org
    Nov 20, 2018 1
    • New monomo
      OP
      3.49 for refinance :(
      Nov 20, 2018
  • IBM / IT Tracey
    Why does it need to be in Bay Area? You can take loan from any credit union or bank in continental US.
    Try First Tech, they are pretty good with rates.
    Also try negotiating with DCU. My last auto loan was through DCU and they negotiated the rate down by almost half if I opened a savings account with them. The savings account needs to have a minimum balance of $5. I just kept $5 in savings that's it. I got a rate of 1.45%
    Nov 20, 2018 1
    • New monomo
      OP
      Right, I didn't know we can negotiate. I'm already a customer and have had two loans with them. Will try giving them another chance
      Nov 20, 2018
  • McAfee JohnMcPee
    I went through Star One Credit Union. They offered me 1.85% on my auto loan. Direct deposit required. Theyโ€™ve been great so far.
    Nov 20, 2018 1
    • New monomo
      OP
      Looks like I'm not eligible. I'm not even a santa clara resident.. Do you think I'll make it? Or am i missing something?
      Nov 20, 2018
  • U.S. Dpt. of Veterans Affairs / Other ๐Ÿ˜ƒ๐Ÿ˜„๐Ÿ˜ƒmeh
    Donโ€™t take loans for cars....... itโ€™s a depreciating asset. Buy cheaper car with cash.
    Nov 20, 2018 1
  • Credit Karma kqqo46
    I recently went through stanford CU and got 2.74. The base rate is 3.74 but they offer 1% off if you direct deposit and put at least 25% down.
    Nov 20, 2018 1
    • New monomo
      OP
      Thank you my down payment is already done though
      Nov 20, 2018
  • Cushman & Wakefield / Project
    Pm08

    Cushman & Wakefield Project

    PRE
    Truebeck Construction
    Pm08more
    Patelco
    Nov 20, 2018 0
  • New monomo
    OP
    Great will try them
    Nov 20, 2018 0

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