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Need help with auto loan in Fort Worth, Texas

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Frequent Contributor

Need help with auto loan in Fort Worth, Texas

Hey MyFico.  I'm trying to help my friend during her first car buying experience.  I got the car purchase and backend adds part down.  I just need help with a low APR 72 month auto loan.  What banks or CUs would you recommend in the Fort Worth, TX area.  Her credit profile is fairly slim with three credit cards and a total limit of approximately $15,000.  Usage is around 5%.  And her credit score is anywhere from 699 (Exp V8 verified today) to 730 (Credit Karma).  Help with a low interest 72 month auto loan would be much appreciated.  Thank you!

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Message 1 of 6
5 REPLIES 5
Regular Contributor

Re: Need help with auto loan in Fort Worth, Texas

Have you tried any of the local credit unions? They usually offer better rates than the large banks.

Message 2 of 6
Contributor

Re: Need help with auto loan in Fort Worth, Texas

+1 to the credit union suggestion. EECU and Texas Trust CU are good. Ft Worth Community CU has rates in the 3’s up to 84 mo on 2018-2020 models. There’s locations in Arlington, Bedford, and south ft worth/Benbrook area. Navy federal, if eligible, and Penfed are solid on auto loans too. IME credit unions have always offered the lowest rates, and I think your friend will get their best rate at a CU as well.
Message 3 of 6
Valued Contributor

Re: Need help with auto loan in Fort Worth, Texas

I’ve had 3 different loans with EECU. They are very friendly and easy to work with

NFCU Flagship 66k-United Plus Explorer-50k-QS 25k-Avianca 25k-Cabelas 24k-Lowes 35k-USAA Amex 32k-FNBO Plat 31k-Numerous others at 20k and below
Message 4 of 6
Regular Contributor

Re: Need help with auto loan in Fort Worth, Texas

I’m just not a fan of EECU, I have a loan with them for my business and that’s pretty much it. I also have membership at Fort Worth Community Credit Union but was declined credit card with a FICO 9 738.

 

I would go with RBFCU



Message 5 of 6
Established Contributor

Re: Need help with auto loan in Fort Worth, Texas

Texas Trust or EECU. Both have great rates. My recommendation would be Texas Trust and maybe refinance with EECU. 


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Message 6 of 6
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