1st Liberty Federal Credit Union is giving me 2.89% on 45K up to 84 months for a 2020 vehicle. They pulled TU FICO 741 and gave me a tier 1 rate. Household income over 200K, run about 20% utilization right now with semi okay DTI.
They're offering me a refinance rate of 3.54% for 60 months on my 2015 Lexus RC350 Fsport
BECU quoted me 8.49% for a 25K personal loan out to 48 months without running my credit.
I'm looking to put about 12-15K down, all of which might be equity in my current car if I can sell it privately for KBB book. 1st Liberty will use the newer car as a security so I can have some extra cash at a good rate if I decide to go that route.
Market is really weird right now with the fed raising rates, hope this helps y'all
