Love your username चाचा चौधरी
आपका username भी अच्छा है!
TC ~190k and car Prius. It’s personal choice but I feel you need upgrade. Don’t think what you need now, think what you want to drive for new 3 years atleast.
I have never owned a car. So thinking of getting a car which if i scratch or dent, I won't care. Will probably upgrade in 2-3 years
DCU
Techcu, DCU, penfed, logix, patelco
Regardless of the bank/credit union, make sure they give you a non penalty loan so that you could pay car sooner if you like. Regarding the car, if is not certified car, have a good mechanic inspecting it. Nobody sells a car because it is too good
Whoever you decide, be mindful of age and mileage limitations. Also, looks like you make good money. If you can afford it inquire on discount for money down (better equity position), and don't get gouged on a dealer warranty for a used car. Your credit union can help you with this. Good luck!
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+1