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Lowest 72 month loan rates?

Contributor

Lowest 72 month loan rates?

What places have low rates for 72 months right now?




Starting Score: 583 (CreditKarma, 2009)
Current Score: 783 (Walmart Free FICO, March 20, 2012), 774 (Equifax, BoA Pull, 2/20/13)
Goal Score: 800+


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Message 1 of 15
14 REPLIES
Established Contributor

Re: Lowest 72 month loan rates?

I wouldn't know exactly where, thats always going to depend on your market. But I would check out credit unions first!

Message 2 of 15
Established Member

Re: Lowest 72 month loan rates?

I went with NFCU and got 2.79% for 72 mos
Starting Score: FICO EQ 663 (02/04/13)
Current Score: FICO EQ 687
Goal Score: FICO EQ 700 (March 2013)
Message 3 of 15
Established Contributor

Re: Lowest 72 month loan rates?


LMBray09 wrote:
I went with NFCU and got 2.79% for 72 mos
That's a good rate, I got 3.35% with auto pay also with a credit union.

Message 4 of 15
Frequent Contributor

Re: Lowest 72 month loan rates?

I got 3.9% from Hyundai Motor Finance for 72 months...this was on a 2013 model. Yeah i probably could have done better but i didn't feel like rate shopping over pennies since Hyundai offered $1,000 rebate to finance thru them.

Message 5 of 15
Frequent Contributor

Re: Lowest 72 month loan rates?

How about the best used car rate @72 months with scores over 750?

Message 6 of 15
Established Member

Re: Lowest 72 month loan rates?

I just got approved for 2.74 from B of A

Message 7 of 15
Frequent Contributor

Re: Lowest 72 month loan rates?

Was that through a dealer or straight through BOA?  Do they do pre-approvals?  Is it better through the dealer?  Thanks!

Message 8 of 15
Moderator

Re: Lowest 72 month loan rates?


babbles wrote:

How about the best used car rate @72 months with scores over 750?


I think it's around 2.5% currently; DCU I know has a 2.49% advertised, most of the other CU's I routinely check don't have greater than 60 month terms available, but I'm sure there's others out there which do.

Starting Score: EQ 5 561, TU 98 567, EX 2 599 (12/30/11)
Current Score: EQ 5 771, TU 4 758, EX 2 758, EQ 8 795, TU 8 762, EX 8 786 (7/28/17)
Goal Score:    EQ 5 750, TU 4 750, EX 2 750, EQ 8 800, TU 8 Blah, EX 8 800 (01/01/18)


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Message 9 of 15
Frequent Contributor

Re: Lowest 72 month loan rates?

Well, got approved by USAA for a used 72 mo loan @3.75% Smiley Sad    My scores are above 760 but my DTI  is high.  

Message 10 of 15