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Vehicle is still nearly 6 years old. They're going to look at how old the vehicle is before anything else. It is much easier to get a new vehicle financed than a older/used vehicle.
Good luck! Hope it works out for you. You have to understand, they want collateral that they can get their money out of if things go south.
You will have no problem at all, you have an established relationship with NFCU they take care of their customers, 6-7 year old cars are not a problem, you will pay slighly higher intrerest for older used cars than new though. Let us know how it goes.
I just have to ask -
What is special about this particular car?
Since the '16 are just about available, you can get crazy deals on '15's.
Yes you do. If not military related. It cost $20 to become a member. $5 goes to open the account and the other $15 is donated to a fund.
Best $20 I've spent!
I think you're solid with all 3. If you like your relationship with NFCU I would just app there. When i bought my truck I could have saved .25% going to DCU over PenFed but I like dealing with PenFed so i just went through them.